United Mississippi Bank in Natchez, Mississippi (MS), LA



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Table of contents:
United Mississippi Bank
GeneralFDIC Certificate #: 21083
Status: Active
Federal Reserve ID: 544335
Bank Holding Company (Regulatory Top Holder): Southwest Security, Inc. (RSSDID: 1081686, Location: Natchez, MS)
Date Established: May 14, 1973
WWW: http://www.unitedmsbk.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Domestic: 10, Interstate: Yes)
OTS Docket #: 12014
FDIC's unique #: 14570
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: May 14, 1973
Last Structure Change Effective Date: August 29, 2011
Last Structure Change Process Date: September 16, 2011
Last Data Update: September 16, 2011
Data Source Date: April 05, 2012
LocationAddress: 203 South Commerce Street, Natchez, MS 39120
County: Adams
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Jackson Ms
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Natchez, MS-LA (#35020)
CBSA Micro Statistical Area: Yes
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $269.4 mil
Equity capital: $28.1 mil
Deposits held in domestic offices: $238.9 mil
Return on assets (ROA): 1.18% ($3.2 mil)
Quarterly return on assets: 0.18% ($0.5 mil)
Return on Equity (ROE): 11.10% ($3.1 mil)
Quarterly return on equity: 1.71% ($0.5 mil)
Net income: $3.1 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.18% ($3,178.5 mil)
Quarterly Pretax return on assets: 0.18% ($484.9 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)
Total employees (full-time equivalent)114
Total assets$269,362
Cash and due from depository institutions$31,140
Interest-bearing balances$24,552
Securities$47,104
Federal funds sold & reverse repurchase agreements$5,175
Net loans & leases$175,550
Loan loss allowance $1,732
Trading account assets$0
Bank premises and fixed assets$5,053
Other real estate owned$1,404
Goodwill and other intangibles$908
All other assets$3,028
Life insurance assets$269,362
Total liabilities and capital$241,235
Total liabilities$238,945
Total deposits$190,079
Interest-bearing deposits$238,945
Deposits held in domestic offices$92
% insured (estimated)1889.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $401
All other liabilities $28,127
Total equity capital$28,127
Total bank equity capital$28,127
Perpetual preferred stock$0
Common stock$835
Surplus$20,366
Undivided profits $6,926
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,170
Earning assets $0
Long-term assets (5+ years) $1,147
Average Assets, year-to-date $252,381
Average Assets, quarterly $66,713
Volatile liabilities $258,695
Insider loans $265,795
FHLB advances $184,991
Loans and leases held for sale $266,130
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $26,386
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $29,033
Derivatives$1,338
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,538
Total interest expense $2,650
Net interest income $9,888
Provision for loan and lease losses $725
Total noninterest income $4,630
Fiduciary activities $0
Service charges on deposit accounts $1,603
Trading account gains & fees $0
Additional noninterest income $3,027
Total noninterest expense $10,838
Salaries and employee benefits $5,748
Premises and equipment expense $1,989
Additional noninterest expense $3,101
Pre-tax net operating income $2,955
Securities gains (losses) $102
Applicable income taxes $0
Income before extraordinary items $3,057
Extraordinary gains - net $0
Net income attributable to bank $3,057
Net charge-offs $0
Cash dividends $3,057
Sale, conversion, retirement of capital stock, net $451
Net operating income $2,071
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.18%
Cost of funding earning assets 1.09%
Net interest margin 4.08%
Noninterest income to earning assets 1.91%
Noninterest expense to earning assets 4.47%
Net operating income to assets 1.14%
Return on assets (ROA) 1.18%
Pretax return on assets 1.18%
Return on equity (ROE) 11.10%
Retained earnings to average equity (YTD only) 3.58%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 160.75%
Efficiency ratio8.16%
Assets per employee$74,652
Cash dividends to net income (YTD only)2.36%
Condition Ratios (%)
Loss allowance to loans 67.75%
Loss allowance to noncurrent loans 0.98%
Noncurrent assets plus other real estate owned to assets 41.53%
Noncurrent loans to loans 2.07%
Net loans and leases to deposits2.35%
Net loans and leases to core deposits 73.47%
Equity capital to assets 79.67%
Core capital (leverage) ratio 10.44%
Tier 1 risk-based capital ratio 9.91%
Total risk-based capital ratio 14.26%
Memoranda
Average assets$15
Average earning assets$258,695
Average equity $27,539
Average loans $242,259
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1 Louisiana Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
128332The Merchants & Farmers Bank BranchChurch And Harvard Streets, Melville, LA 71353August 24, 1908Full Service Brick and Mortar
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9 Mississippi Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
014570United Mississippi Bank203 South Commerce Street, Natchez, MS 39120May 14, 1973Full Service Brick and Mortar
1252184Fayette Branch1440 Main Street, Fayette, MS 39069August 26, 1974Full Service Brick and Mortar
3252186Morgantown Branch1 Morgantown Road, Adams County, MS 39120July 28, 1975Full Service Brick and Mortar
6252187Downtown Natchez75 Melrose-Montebello Parkway, Natchez, MS 39120November 15, 1993Full Service Brick and Mortar
7252188Super Money Market Center Branch314 Seargent Prentiss Drive, Natchez, MS 39120September 12, 1995Full Service Brick and Mortar
8252189Southern Motor Bank20 Seargent S Prentiss Drive, Natchez, MS 39120August 26, 1996Full Service Brick and Mortar
95460Woodville Downtown Office142 Royal Oak Street, Woodville, MS 39669April 14, 1913Full Service Brick and Mortar
10218718Centreville Branch494 Highway 24, Centreville, MS 39631March 30, 1995Full Service Brick and Mortar
11218719Woodville Motor Branch187 Hwy 61 South, Woodville, MS 39669July 01, 1998Limited Service Facility
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