Perry County Bank in New Augusta, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 19, 1997

Perry County Bank in New Augusta, Mississippi (MS)
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Perry County Bank - Overview

General
FDIC Certificate #: 11424
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Trustmark National Bank (#4988)
Federal Reserve ID: 545930
Date Established: March 06, 1907
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
FDIC's unique #: 7295
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: September 19, 1997
Last Structure Change Process Date: September 30, 1997
Last Data Update: September 30, 1997
Data Source Date: April 05, 2012
Location
Address: 100 North Main Street, New Augusta, MS 39462
County: Perry
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): Hattiesburg, MS (#25620)
CBSA Metro Statistical Area: Hattiesburg, MS (#25620)
Financial Summary
Total assets: $42.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$20Total assets
$39,140Cash and due from depository institutions
$3,274Interest-bearing balances
$0Securities
$9,878Federal funds sold & reverse repurchase agreements
$1,600Net loans & leases
$23,493Loan loss allowance
$666Trading account assets
$0Bank premises and fixed assets
$317Other real estate owned
$0Goodwill and other intangibles
$578Life insurance assets
$0All other assets
$0Total liabilities and capital
$39,140Total liabilities
$33,209Total deposits
$32,892Interest-bearing deposits
$27,895Deposits held in domestic offices
32892.00%% insured (estimated)
$79Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$317Total equity capital
$317Total bank equity capital
$5,931Perpetual preferred stock
$0Common stock
$125Surplus
$4,550Undivided profits
Memoranda
$1,256Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,179Income earned, not collected on loans
$272Earning assets
$34,971Long-term assets (5+ years)
$3,530Average Assets, year-to-date
$37,619Average Assets, quarterly
$39,296Volatile liabilities
$4,107Insider loans
$218FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$905Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,931Total risk weighted assets
$24,216Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$3,045Total interest expense
$1,039Net interest income
$2,006Provision for loan and lease losses
$72Total noninterest income
$418Fiduciary activities
$0Service charges on deposit accounts
$274Trading account gains & fees
$0Additional noninterest income
$144Total noninterest expense
$1,072Salaries and employee benefits
$668Premises and equipment expense
$166Additional noninterest expense
$238Pre-tax net operating income
$1,280Securities gains (losses)
$0Applicable income taxes
$417Income before extraordinary items
$863Extraordinary gains - net
$0Net income attributable to bank
$863Net charge-offs
$58Cash dividends
$100Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.89%Cost of funding earning assets
3.03%Net interest margin
5.86%Noninterest income to earning assets
1.22%Noninterest expense to earning assets
3.13%Net operating income to assets
2.29%Return on assets (ROA)
2.29%Pretax return on assets
3.40%Return on equity (ROE)
15.46%Retained earnings to average equity (YTD only)
13.67%Net charge-offs to loans
0.26%Credit loss provision to net charge-offs
124.14%Efficiency ratio
44,224Assets per employee
1.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
11.59%Loss allowance to loans
2.76%Loss allowance to noncurrent loans
56.49%Noncurrent assets plus other real estate owned to assets
3.01%Noncurrent loans to loans
4.88%Net loans and leases to deposits
71.42%Net loans and leases to core deposits
81.62%Equity capital to assets
15.15%Core capital (leverage) ratio
15.22%Tier 1 risk-based capital ratio
24.49%Total risk-based capital ratio
Memoranda
$26Average assets
$37,619Average earning assets
$5,583Average equity
$34,247Average loans

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