The First National Bank of Pontotoc in Pontotoc, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The First National Bank of Pontotoc in Pontotoc, Mississippi (MS)
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The First National Bank of Pontotoc - Overview

  • General
  • FDIC Certificate #: 5006
    Status: Active
    Federal Reserve ID: 968744
    Bank Holding Company (Regulatory Top Holder): Pontotoc Bancshares Corp. (RSSDID: 2524911, Location: Pontotoc, MS)
    Date Established: January 01, 1900
    WWW: http://www.1stnbpontotoc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13028
    FDIC's unique #: 3342
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 19 South Main Street, Pontotoc, MS 38863
    County: Pontotoc
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Tupelo, MS (#46180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $239.4 mil
    Equity capital: $32.8 mil
    Deposits held in domestic offices: $203.5 mil
    Return on assets (ROA): 0.79% ($1.9 mil)
    Quarterly return on assets: 0.77% ($1.8 mil)
    Return on Equity (ROE): 5.82% ($1.9 mil)
    Quarterly return on equity: 5.57% ($1.8 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.96% ($2,297.8 mil)
    Quarterly Pretax return on assets: 0.93% ($2,226.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 72Total employees (full-time equivalent)
  • $239,356Total assets
  • $23,689Cash and due from depository institutions
  • $12,283Interest-bearing balances
  • $105,806Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $96,410Net loans & leases
  • $1,451Loan loss allowance
  • $0Trading account assets
  • $4,026Bank premises and fixed assets
  • $499Other real estate owned
  • $0Goodwill and other intangibles
  • $239,356Life insurance assets
  • $8,926All other assets
  • $206,579Total liabilities and capital
  • $203,513Total liabilities
  • $181,300Total deposits
  • $203,513Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,805Trading liabilities
  • $0Other borrowed funds
  • $1,261Subordinated debt
  • $32,777All other liabilities
  • $32,777Total equity capital
  • $32,777Total bank equity capital
  • $0Perpetual preferred stock
  • $330Common stock
  • $21,000Surplus
  • $11,447Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,899Income earned, not collected on loans
  • $0Earning assets
  • $1,409Long-term assets (5+ years)
  • $214,499Average Assets, year-to-date
  • $79,200Average Assets, quarterly
  • $240,240Volatile liabilities
  • $238,496Insider loans
  • $117,574FHLB advances
  • $238,540Loans and leases held for sale
  • $5,070Unused loan commitments
  • $3,378Tier 1 (core) risk-based capital
  • $32,419Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,692Total unused commitments
  • $7,583Restructured Loans and leases
  • $10Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,132Total interest income
  • $1,974Total interest expense
  • $7,158Net interest income
  • $0Provision for loan and lease losses
  • $1,739Total noninterest income
  • $0Fiduciary activities
  • $1,475Service charges on deposit accounts
  • $0Trading account gains & fees
  • $264Additional noninterest income
  • $6,584Total noninterest expense
  • $3,748Salaries and employee benefits
  • $861Premises and equipment expense
  • $1,975Additional noninterest expense
  • $2,313Pre-tax net operating income
  • $2Securities gains (losses)
  • $410Applicable income taxes
  • $1,905Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,905Net income attributable to bank
  • $0Net charge-offs
  • $1,905Cash dividends
  • $319Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.14%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 5.82%Return on equity (ROE)
  • 3.07%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 7.25%Efficiency ratio
  • 74,002Assets per employee
  • 3.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.24%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 50.05%Noncurrent assets plus other real estate owned to assets
  • 1.42%Noncurrent loans to loans
  • 2.96%Net loans and leases to deposits
  • 47.37%Net loans and leases to core deposits
  • 53.57%Equity capital to assets
  • 13.69%Core capital (leverage) ratio
  • 13.59%Tier 1 risk-based capital ratio
  • 27.57%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $240,240Average earning assets
  • $32,721Average equity
  • $220,485Average loans

List of branches

  • 3 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03342The First National Bank Of Pontotoc19 South Main Street, Pontotoc, MS 38863January 01, 1900Full Service Brick and Mortar
    1206397West Pontotoc BranchHighway 15 North, Pontotoc, MS 38863December 30, 1968Full Service Brick and Mortar
    3423042Pototoc Express Drive Thru Branch158 Highway 15 North, Pontotoc, MS 38863August 11, 2003Limited Service Facility

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