United Mississippi Bank in Natchez, Mississippi (MS), LA
Overview, Financial Summary, Detailed Financial Reports, Branches

  • United Mississippi Bank in Natchez, Mississippi (MS), LA
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United Mississippi Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 114Total employees (full-time equivalent)
  • $269,362Total assets
  • $31,140Cash and due from depository institutions
  • $24,552Interest-bearing balances
  • $47,104Securities
  • $5,175Federal funds sold & reverse repurchase agreements
  • $175,550Net loans & leases
  • $1,732Loan loss allowance
  • $0Trading account assets
  • $5,053Bank premises and fixed assets
  • $1,404Other real estate owned
  • $908Goodwill and other intangibles
  • $269,362Life insurance assets
  • $3,028All other assets
  • $241,235Total liabilities and capital
  • $238,945Total liabilities
  • $190,079Total deposits
  • $238,945Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 1889.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $401Subordinated debt
  • $28,127All other liabilities
  • $28,127Total equity capital
  • $28,127Total bank equity capital
  • $0Perpetual preferred stock
  • $835Common stock
  • $20,366Surplus
  • $6,926Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,170Income earned, not collected on loans
  • $0Earning assets
  • $1,147Long-term assets (5+ years)
  • $252,381Average Assets, year-to-date
  • $66,713Average Assets, quarterly
  • $258,695Volatile liabilities
  • $265,795Insider loans
  • $184,991FHLB advances
  • $266,130Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,386Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,033Restructured Loans and leases
  • $1,338Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,538Total interest income
  • $2,650Total interest expense
  • $9,888Net interest income
  • $725Provision for loan and lease losses
  • $4,630Total noninterest income
  • $0Fiduciary activities
  • $1,603Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,027Additional noninterest income
  • $10,838Total noninterest expense
  • $5,748Salaries and employee benefits
  • $1,989Premises and equipment expense
  • $3,101Additional noninterest expense
  • $2,955Pre-tax net operating income
  • $102Securities gains (losses)
  • $0Applicable income taxes
  • $3,057Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,057Net income attributable to bank
  • $0Net charge-offs
  • $3,057Cash dividends
  • $451Sale, conversion, retirement of capital stock, net
  • $2,071Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 4.08%Net interest margin
  • 1.91%Noninterest income to earning assets
  • 4.47%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 11.10%Return on equity (ROE)
  • 3.58%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 160.75%Credit loss provision to net charge-offs
  • 8.16%Efficiency ratio
  • 74,652Assets per employee
  • 2.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.75%Loss allowance to loans
  • 0.98%Loss allowance to noncurrent loans
  • 41.53%Noncurrent assets plus other real estate owned to assets
  • 2.07%Noncurrent loans to loans
  • 2.35%Net loans and leases to deposits
  • 73.47%Net loans and leases to core deposits
  • 79.67%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 9.91%Tier 1 risk-based capital ratio
  • 14.26%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $258,695Average earning assets
  • $27,539Average equity
  • $242,259Average loans

List of branches

  • 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
  • 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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