UniSouth Banking Corporation in Columbus, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 31, 1993

  • UniSouth Banking Corporation in Columbus, Mississippi (MS)
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UniSouth Banking Corporation - Overview

  • General
  • FDIC Certificate #: 5900
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Trustmark National Bank (#4988)
    Federal Reserve ID: 674241
    Date Established: July 15, 1902
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 13 (Interstate: No)
    OTS Docket #: 9922
    FDIC's unique #: 4022
    Numeric code: 13
    Regulator: FED
    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: July 31, 1993
    Last Structure Change Process Date: August 05, 1993
    Last Data Update: August 05, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 624 Main Street, Columbus, MS 39701
    County: Lowndes
    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
    Combined Statistical Area (CSA): Columbus-West Point, MS (#200)
    Core Based Statistical Area (CBSA): Columbus, MS (#18060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $173.7 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $104Total assets
  • $168,256Cash and due from depository institutions
  • $19,461Interest-bearing balances
  • $4,235Securities
  • $43,017Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $97,622Loan loss allowance
  • $1,266Trading account assets
  • $0Bank premises and fixed assets
  • $5,759Other real estate owned
  • $144Goodwill and other intangibles
  • $2,056Life insurance assets
  • $197All other assets
  • $0Total liabilities and capital
  • $168,256Total liabilities
  • $153,086Total deposits
  • $146,140Interest-bearing deposits
  • $122,277Deposits held in domestic offices
  • 146140.00%% insured (estimated)
  • $83Federal funds purchased & repurchase agreements
  • $1,415Trading liabilities
  • $0Other borrowed funds
  • $4,200Subordinated debt
  • $0All other liabilities
  • $1,331Total equity capital
  • $1,331Total bank equity capital
  • $15,170Perpetual preferred stock
  • $0Common stock
  • $904Surplus
  • $9,791Undivided profits
  • Memoranda
  • $4,475Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,328Income earned, not collected on loans
  • $864Earning assets
  • $144,874Long-term assets (5+ years)
  • $31,267Average Assets, year-to-date
  • $161,851Average Assets, quarterly
  • $163,954Volatile liabilities
  • $25,674Insider loans
  • $1,667FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,964Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,973Total risk weighted assets
  • $106,865Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $12,286Total interest expense
  • $5,312Net interest income
  • $6,974Provision for loan and lease losses
  • $624Total noninterest income
  • $1,401Fiduciary activities
  • $98Service charges on deposit accounts
  • $1,088Trading account gains & fees
  • $0Additional noninterest income
  • $215Total noninterest expense
  • $5,400Salaries and employee benefits
  • $2,946Premises and equipment expense
  • $814Additional noninterest expense
  • $1,640Pre-tax net operating income
  • $2,351Securities gains (losses)
  • -$4Applicable income taxes
  • $596Income before extraordinary items
  • $1,751Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,751Net charge-offs
  • $299Cash dividends
  • $542Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.66%Cost of funding earning assets
  • 3.75%Net interest margin
  • 4.92%Noninterest income to earning assets
  • 0.99%Noninterest expense to earning assets
  • 3.81%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 1.45%Return on equity (ROE)
  • 11.92%Retained earnings to average equity (YTD only)
  • 8.23%Net charge-offs to loans
  • 0.32%Credit loss provision to net charge-offs
  • 208.70%Efficiency ratio
  • 64,107Assets per employee
  • 1.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.95%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 95.33%Noncurrent assets plus other real estate owned to assets
  • 0.87%Noncurrent loans to loans
  • 1.34%Net loans and leases to deposits
  • 66.80%Net loans and leases to core deposits
  • 77.43%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 9.08%Tier 1 risk-based capital ratio
  • 14.01%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $161,851Average earning assets
  • $14,688Average equity
  • $141,790Average loans

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