BNA Bank in New Albany, Mississippi (MS)
| BNA Bank | |
|---|---|
| General | FDIC Certificate #: 19448 Status: Active Federal Reserve ID: 916745 Bank Holding Company (Regulatory Top Holder): Bna Bancshares, Inc. (RSSDID: 3326176, Location: New Albany, MS) Date Established: January 01, 1896 WWW: http://www.bnabank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Domestic: 5, Interstate: No) OTS Docket #: 15938 FDIC's unique #: 13249 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: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: June 03, 1965 Last Structure Change Effective Date: November 01, 2007 Last Structure Change Process Date: November 15, 2007 Last Data Update: November 15, 2007 Data Source Date: April 05, 2012 |
| Location | Address: 205 Bankhead Street, New Albany, MS 38652 County: Union Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Memphis Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West |
| History of Changes | Name Change |
| Financial Summary | Total assets: $406.7 mil Equity capital: $52.0 mil Deposits held in domestic offices: $338.7 mil Return on assets (ROA): 1.34% ($5.5 mil) Quarterly return on assets: 0.55% ($2.2 mil) Return on Equity (ROE): 10.39% ($5.4 mil) Quarterly return on equity: 4.15% ($2.2 mil) Net income: $5.5 mil Quarterly Net income: $0.6 mil Pretax return on assets: 1.69% ($6,873.9 mil) Quarterly Pretax return on assets: 0.61% ($2,481.1 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 88 |
| Total assets | $406,740 |
| Cash and due from depository institutions | $13,535 |
| Interest-bearing balances | $7 |
| Securities | $145,504 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $214,463 |
| Loan loss allowance | $4,369 |
| Trading account assets | $1,390 |
| Bank premises and fixed assets | $5,872 |
| Other real estate owned | $8,717 |
| Goodwill and other intangibles | $488 |
| All other assets | $16,771 |
| Life insurance assets | $406,740 |
| Total liabilities and capital | $354,735 |
| Total liabilities | $338,704 |
| Total deposits | $308,710 |
| Interest-bearing deposits | $338,704 |
| Deposits held in domestic offices | $85 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $12,366 |
| Other borrowed funds | $0 |
| Subordinated debt | $3,665 |
| All other liabilities | $52,005 |
| Total equity capital | $52,005 |
| Total bank equity capital | $52,005 |
| Perpetual preferred stock | $0 |
| Common stock | $9,000 |
| Surplus | $40,107 |
| Undivided profits | $2,898 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $3,820 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $2,196 |
| Average Assets, year-to-date | $361,364 |
| Average Assets, quarterly | $148,883 |
| Volatile liabilities | $409,519 |
| Insider loans | $411,010 |
| FHLB advances | $237,354 |
| Loans and leases held for sale | $408,585 |
| Unused loan commitments | $10,714 |
| Tier 1 (core) risk-based capital | $3,713 |
| Tier 2 risk-based capital | $48,842 |
| Total risk weighted assets | $7,001 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $17,632 |
| Derivatives | $549 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $19,067 |
| Total interest expense | $4,252 |
| Net interest income | $14,815 |
| Provision for loan and lease losses | $2,425 |
| Total noninterest income | $3,182 |
| Fiduciary activities | $53 |
| Service charges on deposit accounts | $1,167 |
| Trading account gains & fees | -$42 |
| Additional noninterest income | $2,004 |
| Total noninterest expense | $8,674 |
| Salaries and employee benefits | $4,870 |
| Premises and equipment expense | $1,001 |
| Additional noninterest expense | $2,803 |
| Pre-tax net operating income | $6,898 |
| Securities gains (losses) | $6 |
| Applicable income taxes | $1,418 |
| Income before extraordinary items | $5,486 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $5,486 |
| Net charge-offs | $0 |
| Cash dividends | $5,486 |
| Sale, conversion, retirement of capital stock, net | $1,926 |
| Net operating income | $5,335 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.31% |
| Cost of funding earning assets | 1.18% |
| Net interest margin | 4.13% |
| Noninterest income to earning assets | 0.89% |
| Noninterest expense to earning assets | 2.42% |
| Net operating income to assets | 1.34% |
| Return on assets (ROA) | 1.34% |
| Pretax return on assets | 1.69% |
| Return on equity (ROE) | 10.39% |
| Retained earnings to average equity (YTD only) | 0.29% |
| Net charge-offs to loans | 0.87% |
| Credit loss provision to net charge-offs | 125.91% |
| Efficiency ratio | 4.84% |
| Assets per employee | $48,197 |
| Cash dividends to net income (YTD only) | 4.62% |
| Condition Ratios (%) | |
| Loss allowance to loans | 97.25% |
| Loss allowance to noncurrent loans | 2.00% |
| Noncurrent assets plus other real estate owned to assets | 114.37% |
| Noncurrent loans to loans | 3.08% |
| Net loans and leases to deposits | 1.75% |
| Net loans and leases to core deposits | 63.32% |
| Equity capital to assets | 69.59% |
| Core capital (leverage) ratio | 12.79% |
| Tier 1 risk-based capital ratio | 11.95% |
| Total risk-based capital ratio | 20.58% |
| Memoranda | |
| Average assets | $22 |
| Average earning assets | $409,519 |
| Average equity | $52,818 |
| Average loans | $358,865 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $19,594 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $12,322 |
| Employee benefit-defined contribution accounts | $8,758 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $3,564 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $0 |
| Number of Accounts | 130 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $7,272 |
| Corporate trust and agency accounts | $11 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $6,697 |
| 5 Mississippi Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 13249 | Bna Bank | 205 Bankhead Street, New Albany, MS 38652 | January 01, 1896 | Full Service Brick and Mortar |  |
| 2 | 248353 | Myrtle Branch | 1181 Springdale Ave., Myrtle, MS 38650 | July 26, 1974 | Full Service Brick and Mortar |  |
| 3 | 248354 | East Branch | 132 Ushwy 15, New Albany, MS 38652 | March 10, 1978 | Full Service Brick and Mortar | |
| 5 | 248356 | West Branch | 103 Highway West, New Albany, MS 38652 | May 18, 1998 | Full Service Brick and Mortar | |
| 6 | 470078 | Mccullough Branch | 3041 Mccullough Boulevard, Belden, MS 38826 | November 05, 2007 | Full Service Brick and Mortar | |
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