Holmes County Bank & Trust Company in city_name, state_name

Holmes County Bank & Trust Company in Lexington, Mississippi (MS)
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Holmes County Bank & Trust Company routing number info

Holmes County Bank & Trust Company - Overview

General
FDIC Certificate #: 321
Status: Active
Federal Reserve ID: 725741
Bank Holding Company (Regulatory Top Holder): Holmes County Capital Corporation (RSSDID: 1119057, Location: Lexington, MS)
Date Established: January 01, 1932
WWW: http://www.holmesbk.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 257
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: 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: 316 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $116.2 mil
Equity capital: $13.1 mil
Deposits held in domestic offices: $101.2 mil
Return on assets (ROA): 0.63% ($0.7 mil)
Quarterly return on assets: 0.95% ($1.1 mil)
Return on Equity (ROE): 6.18% ($0.8 mil)
Quarterly return on equity: 8.52% ($1.1 mil)
Net income: $0.8 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.63% ($732.1 mil)
Quarterly Pretax return on assets: 0.95% ($1,104.0 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
28Total employees (full-time equivalent)
$116,213Total assets
$5,319Cash and due from depository institutions
$161Interest-bearing balances
$22,149Securities
$18,946Federal funds sold & reverse repurchase agreements
$62,018Net loans & leases
$2,041Loan loss allowance
$0Trading account assets
$1,595Bank premises and fixed assets
$687Other real estate owned
$0Goodwill and other intangibles
$116,212Life insurance assets
$5,499All other assets
$103,129Total liabilities and capital
$101,186Total liabilities
$84,977Total deposits
$101,186Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,943Subordinated debt
$13,083All other liabilities
$13,083Total equity capital
$13,083Total bank equity capital
$0Perpetual preferred stock
$440Common stock
$3,335Surplus
$9,308Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,310Income earned, not collected on loans
$0Earning assets
$1,031Long-term assets (5+ years)
$103,274Average Assets, year-to-date
$15,743Average Assets, quarterly
$123,573Volatile liabilities
$116,556Insider loans
$77,539FHLB advances
$115,592Loans and leases held for sale
$3,809Unused loan commitments
$2,933Tier 1 (core) risk-based capital
$12,966Tier 2 risk-based capital
$876Total risk weighted assets
$0Total unused commitments
$6,624Restructured Loans and leases
$625Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,545Total interest income
$1,079Total interest expense
$4,466Net interest income
$850Provision for loan and lease losses
$967Total noninterest income
$4Fiduciary activities
$711Service charges on deposit accounts
$0Trading account gains & fees
$252Additional noninterest income
$3,803Total noninterest expense
$1,839Salaries and employee benefits
$245Premises and equipment expense
$1,719Additional noninterest expense
$780Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$780Income before extraordinary items
$0Extraordinary gains - net
$780Net income attributable to bank
$0Net charge-offs
$780Cash dividends
$342Sale, conversion, retirement of capital stock, net
$231Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.20%Yield on earning assets
1.01%Cost of funding earning assets
4.19%Net interest margin
0.91%Noninterest income to earning assets
3.56%Noninterest expense to earning assets
0.63%Net operating income to assets
0.63%Return on assets (ROA)
0.63%Pretax return on assets
6.18%Return on equity (ROE)
4.35%Retained earnings to average equity (YTD only)
0.47%Net charge-offs to loans
248.54%Credit loss provision to net charge-offs
4.77%Efficiency ratio
68,894Assets per employee
4.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
29.62%Loss allowance to loans
3.19%Loss allowance to noncurrent loans
61.66%Noncurrent assets plus other real estate owned to assets
3.44%Noncurrent loans to loans
5.17%Net loans and leases to deposits
61.29%Net loans and leases to core deposits
66.09%Equity capital to assets
11.26%Core capital (leverage) ratio
11.22%Tier 1 risk-based capital ratio
16.72%Total risk-based capital ratio
Memoranda
$18Average assets
$123,573Average earning assets
$12,630Average equity
$106,692Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$8,395Managed Assets
1Number of Accounts
$5,164Personal trust and agency accounts
$5,163Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$1Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
20Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$3,231Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$3,231Fiduciary accounts held in foreign offices

List of branches

4 Mississippi Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	257	Holmes County Bank & Trust Company	316 Court Square, Lexington, MS 39095	January 01, 1932	Full Service Brick and Mortar
1	181523	Goodman Branch	Main Street, Goodman, MS 39079	August 03, 1942	Full Service Brick and Mortar
2	181524	Vaiden Branch	Lee Street, Vaiden, MS 39176	April 21, 1934	Full Service Brick and Mortar
3	181525	West Branch	Highway 51, West, MS 39192	August 03, 1942	Full Service Brick and Mortar

Holmes County Bank & Trust Company in Lexington, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Holmes County Bank & Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Holmes County Bank & Trust Company in Lexington, Mississippi (MS)Overview, Financial Summary, Detailed Financial Reports, Branches

Holmes County Bank & Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Holmes County Bank & Trust Company in Lexington, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches