OmniBank in Mantee, Mississippi (MS)
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 45 |
| Total assets | $76,437 |
| Cash and due from depository institutions | $3,542 |
| Interest-bearing balances | $3 |
| Securities | $3,698 |
| Federal funds sold & reverse repurchase agreements | $16,050 |
| Net loans & leases | $45,596 |
| Loan loss allowance | $1,947 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $4,207 |
| Other real estate owned | $1,965 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,379 |
| Life insurance assets | $76,437 |
| Total liabilities and capital | $70,187 |
| Total liabilities | $69,835 |
| Total deposits | $55,732 |
| Interest-bearing deposits | $69,835 |
| Deposits held in domestic offices | $95 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $352 |
| All other liabilities | $6,250 |
| Total equity capital | $6,250 |
| Total bank equity capital | $6,250 |
| Perpetual preferred stock | $0 |
| Common stock | $1,410 |
| Surplus | $17,158 |
| Undivided profits | $-12,318 |
| 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 | $3,645 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $220 |
| Average Assets, year-to-date | $65,347 |
| Average Assets, quarterly | $3,496 |
| Volatile liabilities | $81,296 |
| Insider loans | $77,239 |
| FHLB advances | $50,986 |
| Loans and leases held for sale | $76,992 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $6,162 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $2,210 |
| Derivatives | $465 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $3,589 |
| Total interest expense | $542 |
| Net interest income | $3,047 |
| Provision for loan and lease losses | $4,019 |
| Total noninterest income | -$2 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $217 |
| Trading account gains & fees | $0 |
| Additional noninterest income | -$219 |
| Total noninterest expense | $4,515 |
| Salaries and employee benefits | $2,300 |
| Premises and equipment expense | $881 |
| Additional noninterest expense | $1,334 |
| Pre-tax net operating income | -$5,489 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | -$5,489 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | -$5,489 |
| Net charge-offs | $0 |
| Cash dividends | -$5,489 |
| Sale, conversion, retirement of capital stock, net | $2,902 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.03% |
| Cost of funding earning assets | 0.76% |
| Net interest margin | 4.27% |
| Noninterest income to earning assets | -0.00% |
| Noninterest expense to earning assets | 6.33% |
| Net operating income to assets | -6.75% |
| Return on assets (ROA) | -6.75% |
| Pretax return on assets | -6.75% |
| Return on equity (ROE) | -85.47% |
| Retained earnings to average equity (YTD only) | -85.47% |
| Net charge-offs to loans | 5.23% |
| Credit loss provision to net charge-offs | 138.49% |
| Efficiency ratio | -0.51% |
| Assets per employee | $148,276 |
| Cash dividends to net income (YTD only) | 1.70% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 4.10% |
| Noncurrent assets plus other real estate owned to assets | 53.42% |
| Noncurrent loans to loans | 7.34% |
| Net loans and leases to deposits | 7.67% |
| Net loans and leases to core deposits | 65.29% |
| Equity capital to assets | 68.74% |
| Core capital (leverage) ratio | 8.18% |
| Tier 1 risk-based capital ratio | 8.00% |
| Total risk-based capital ratio | 12.09% |
| Memoranda | |
| Average assets | $13 |
| Average earning assets | $81,296 |
| Average equity | $6,422 |
| Average loans | $71,315 |
| 6 Mississippi Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 5664 | Omnibank | Main Street, Mantee, MS 39751 | January 01, 1907 | Full Service Brick and Mortar |  |
| 4 | 218189 | Ellis Avenue Branch | 2410 Highway 80 West, Jackson, MS 39204 | October 06, 1975 | Full Service Brick and Mortar |  |
| 5 | 218709 | East Capitol Street Branch | 236 East Capitol Street, Jackson, MS 39201 | April 27, 1987 | Full Service Brick and Mortar | |
| 6 | 218710 | Pear Orchard Branch | 1601 County Line Road, Jackson, MS 39211 | November 03, 1983 | Full Service Brick and Mortar | |
| 7 | 5255 | United Branch | 531 3rd Street, Bay Springs, MS 39422 | May 01, 1904 | Full Service Brick and Mortar | |
| 9 | 218174 | Heidelberg Branch | 301 Main Street, Heidelberg, MS 39439 | April 01, 1944 | Full Service Brick and Mortar | |
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