First National Bank of Holmes County in Lexington, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 26, 2000

First National Bank of Holmes County in Lexington, Mississippi (MS)
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First National Bank of Holmes County - Overview

General
FDIC Certificate #: 5004
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: BankPlus (#5903)
Federal Reserve ID: 850344
Date Established: April 19, 1929
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
FDIC's unique #: 3340
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 26, 2000
Last Structure Change Process Date: June 29, 2000
Last Data Update: June 29, 2000
Data Source Date: April 05, 2012
Location
Address: 100 Court Square, Lexington, MS 39095
County: Holmes
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
Financial Summary
Total assets: $120.5 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
43Total employees (full-time equivalent)
$121,562Total assets
$3,302Cash and due from depository institutions
$0Interest-bearing balances
$49,623Securities
$0Federal funds sold & reverse repurchase agreements
$64,659Net loans & leases
$836Loan loss allowance
$0Trading account assets
$548Bank premises and fixed assets
$143Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,287All other assets
$121,562Total liabilities and capital
$107,857Total liabilities
$99,998Total deposits
$85,644Interest-bearing deposits
$99,998Deposits held in domestic offices
0.00%% insured (estimated)
$2,050Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,000Other borrowed funds
$0Subordinated debt
$2,809All other liabilities
$13,705Total equity capital
$13,705Total bank equity capital
$13,705Perpetual preferred stock
$0Common stock
$391Surplus
$12,000Undivided profits
Memoranda
$1,314Noncurrent loans and leases
$5,490Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$557Earning assets
$173Long-term assets (5+ years)
$1,710Average Assets, year-to-date
$114,282Average Assets, quarterly
$28,421Volatile liabilities
$125,114Insider loans
$125,459FHLB advances
$28,441Loans and leases held for sale
$1,693Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,490Total unused commitments
$0Restructured Loans and leases
$836Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$9,217Total interest income
$3,991Total interest expense
$5,226Net interest income
$120Provision for loan and lease losses
$1,077Total noninterest income
$0Fiduciary activities
$966Service charges on deposit accounts
$0Trading account gains & fees
$111Additional noninterest income
$2,842Total noninterest expense
$1,659Salaries and employee benefits
$365Premises and equipment expense
$818Additional noninterest expense
$3,341Pre-tax net operating income
-$77Securities gains (losses)
$884Applicable income taxes
$2,380Income before extraordinary items
$0Extraordinary gains - net
$2,380Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$117Sale, conversion, retirement of capital stock, net
$1,875Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.80%Yield on earning assets
3.38%Cost of funding earning assets
4.42%Net interest margin
0.91%Noninterest income to earning assets
2.40%Noninterest expense to earning assets
1.95%Net operating income to assets
1.90%Return on assets (ROA)
2.61%Pretax return on assets
16.29%Return on equity (ROE)
3.46%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
102.56%Credit loss provision to net charge-offs
29.58%Efficiency ratio
45,090Assets per employee
2.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
78.78%Loss allowance to loans
1.28%Loss allowance to noncurrent loans
150.09%Noncurrent assets plus other real estate owned to assets
0.58%Noncurrent loans to loans
0.85%Net loans and leases to deposits
64.66%Net loans and leases to core deposits
84.40%Equity capital to assets
11.27%Core capital (leverage) ratio
11.76%Tier 1 risk-based capital ratio
19.90%Total risk-based capital ratio
Memoranda
$21Average assets
$125,114Average earning assets
$14,610Average equity
$118,182Average loans

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