First National Bank Of Picayune Mortgage Rates, Fees & Info
Picayune, MS
LEI: 549300JHFXRY8T6LN749
Tax ID: 64-0289320
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Mortgage Data
Bank Data
Review & Overview
First National Bank Of Picayune is a smaller bank specializing in
various types of mortgages.
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Originations
0
Origination Dollar Volume (All Markets)
$0
Employee count
61
Complaints
| Bank Name |
Product |
Issue |
2018 CPFB Complaints |
% of Total Issues |
| FIRST NATIONAL BANK OF OMAHA |
Conventional home mortgage |
Struggling to pay mortgage |
1 |
50.0% |
| FIRST NATIONAL BANK OF OMAHA |
Home equity loan or line of credit (HELOC) |
Closing on a mortgage |
1 |
50.0% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| First National Bank of Picayune |
1025 Hall Street Wiggins, MS 39577 |
Full Service B&M
|
$11,885 |
| First National Bank of Picayune |
121 East Canal Street Picayune, MS 39466 |
Full Service B&M
|
$109,348 |
| First National Bank of Picayune |
1720 South Main Street Poplarville, MS 39470 |
Full Service B&M
|
$11,377 |
| First National Bank of Picayune |
208 West Canal Street Picayune, MS 39466 |
Full Service B&M
|
$17,228 |
| First National Bank of Picayune |
721 Cooper Road Picayune, MS 39466 |
Full Service B&M
|
$31,841 |
| First National Bank of Picayune |
801 Memorial Blvd Picayune, MS 39466 |
Full Service B&M
|
$7,432 |
For 2018, First National Bank Of Picayune had 6 branches.
Yearly Performance Overview
Bank Income
First National Bank Of Picayune's gross interest income from loans was $10,201,000.
First National Bank Of Picayune's net interest income from loans was $9,514,000.
First National Bank Of Picayune's fee based income from loans was $1,432,000.
First National Bank Of Picayune's net income from loans was $5,728,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$687 |
| Provision for credit losses |
$50 |
| Total noninterest expense |
$5,864 |
| Salaries and employee benefits |
$3,826 |
| Premises and equipment expense |
$526 |
| Additional noninterest expense |
$1,512 |
| Applicable income taxes |
$0 |
| Net charge-offs |
$150 |
| Cash dividends |
$3,983 |
First National Bank Of Picayune's interest expense for loans was $687,000.
First National Bank Of Picayune's payroll and benefits expense were $3,826,000.
First National Bank Of Picayune's property, plant and equipment expenses $526,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$171,957 |
| Deposits held in domestic offices |
$171,957 |
| Deposits by Individuals, partnerships, and corporations |
$162,935 |
| Deposits by U.S. Government |
$0 |
| Deposits by States and political subdivisions in the U.S. |
$9,022 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$0 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$16,588 |
| Demand deposits |
$9,215 |
| Nontransaction accounts |
$155,369 |
| Money market deposit accounts (MMDAs) |
$1,562 |
| Other savings deposits (excluding MMDAs) |
$94,267 |
| Total time deposits |
$59,541 |
| Total time and savings deposits |
$162,742 |
| Noninterest-bearing deposits |
$36,590 |
| Interest-bearing deposits |
$135,367 |
| Retail deposits |
$157,653 |
| IRAs and Keogh plan accounts |
$14,532 |
| Brokered deposits |
$0 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$208,597 |
| Cash & Balances due from depository institutions |
$7,482 |
| Interest-bearing balances |
$2,019 |
| Total securities |
$50,302 |
| Federal funds sold & reverse repurchase |
$0 |
| Net loans and leases |
$143,305 |
| Loan and leases loss allowance |
$1,867 |
| Trading account assets |
$0 |
| Bank premises and fixed assets |
$2,390 |
| Other real estate owned |
$3,406 |
| Goodwill and other intangibles |
$0 |
| All other assets |
$1,712 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$208,597 |
| Total Liabilities |
$178,881 |
| Total deposits |
$171,957 |
| Interest-bearing deposits |
$135,367 |
| Deposits held in domestic offices |
$171,957 |
| % insured (estimated) |
$89 |
| Federal funds purchased and repurchase agreements |
$1,020 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$5,000 |
| Subordinated debt |
$0 |
| All other liabilities |
$904 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$143,305 |
| Loan and leases loss allowance |
$1,867 |
| Total loans and leases (domestic) |
$145,172 |
| All real estate loans |
$119,777 |
| Real estate loans in domestic offices |
$119,777 |
| Construction and development loans |
$17,318 |
| Residential 1-4 family construction |
$2,910 |
| Other construction, all land development and other land |
$14,408 |
| Loans secured by nonfarm nonresidential properties |
$37,552 |
| Nonfarm nonresidential secured by owner-occupied properties |
$33,071 |
| Commercial real estate & other non-farm, non-residential |
$4,481 |
| Multifamily residential real estate |
$4,242 |
| 1-4 family residential loans |
$57,955 |
| Farmland loans |
$2,710 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$81 |
| Commercial and industrial loans |
$10,323 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$10,860 |
| Credit card loans |
$0 |
| Related Plans |
$562 |
| Consumer Auto Loans |
$5,579 |
| Other loans to individuals |
$4,719 |
| All other loans & leases |
$4,153 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$1,279 |
| Loans to depository institutions and acceptances of other banks |
$750 |
| Loans not secured by real estate |
$1,373 |
| Loans secured by real estate to non-U.S. addressees |
$0 |
| Restructured Loans & leases |
$309 |
| Non 1-4 family restructured loans & leases |
$141 |
| Total loans and leases (foreign) |
$0 |
First National Bank of Picayune had $143,305,000 of loans outstanding in 2018. $119,777,000 of loans were in real estate loans.
$17,318,000 of loans were in development loans. $4,242,000 of loans were in multifamily mortgage loans.
$57,955,000 of loans were in 1-4 family mortgage loans. $81,000 of loans were in farm loans. $0
of loans were in credit card loans. $5,579,000 of loans were in the auto loan category.
Small Business Loans
| Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
| Nonfarm, nonresidential loans - <$1MM |
146 |
$26,019 |
$178,212 |
| Nonfarm, nonresidential loans - <$100k |
42 |
$1,829 |
$43,548 |
| Nonfarm, nonresidential loans - $100-250k |
64 |
$8,300 |
$129,688 |
| Nonfarm, nonresidential loans - $250k-1MM |
40 |
$15,890 |
$397,250 |
| Commercial & Industrial, US addressed loans - <$1MM |
192 |
$6,601 |
$34,380 |
| Commercial & Industrial, US addressed loans - <$100k |
176 |
$3,728 |
$21,182 |
| Commercial & Industrial, US addressed loans - $100-250k |
11 |
$1,394 |
$126,727 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
5 |
$1,479 |
$295,800 |
| Farmland loans - <$1MM |
28 |
$2,548 |
$91,000 |
| Farmland loans - <$100k |
20 |
$769 |
$38,450 |
| Farmland loans - $100-250k |
3 |
$343 |
$114,333 |
| Farmland loans - $250k-1MM |
5 |
$1,436 |
$287,200 |
| Agriculture operations loans - <$1MM |
6 |
$81 |
$13,500 |
| Agriculture operations loans - <$100k |
6 |
$81 |
$13,500 |