Vitals
  • Total Assets
    269.2M 1.9 %
  • Total Deposits
    231.1M 2.4 %
  • Total Net Loans
    151.6M 21.9 %
  • Net Income
    2.4M 35.5 %
  • Book Value
    35.5M 0.6 %
  • Book Value x2
    71.1M 0.6 %
  • Book Value x3
    106.6M 0.6 %
ROAA

.896

ROAE

6.717

Efficiency Ratio

67.236

Net Interest Margin

3.915

Balance Sheet Highlights
Financial Highlights First Choice Bank All Insured Commercial Banks in Mississippi
Balance Sheet $(000)
Total Assets 269,171 525,484
Total Net Loans 151,552 348,104
Total Deposits 231,106 440,088
Total Equity 35,526 60,485
Profitability
Net Income 2,439 5,177
Return on Average Assets .896 .911
Return on Average Equity 6.717 8.357
Net Interest Margin 3.915 3.971
Efficiency Ratio 67.236 70.327
Noninterest Income/Revenue 15.725 22.171
Balance Sheet Ratios
Loan-to-Deposit 65.577 71.665
Securities/Assets .318 .197
Total Equity/Total Assets .132 .115
Tangible Equity/Tangible Assets .132 .102
Capital Adequacy
Tier 1 Common Capital 36,387 52,498
Tier 1 Capital 36,387 52,598
Tier 2 Capital 1,389 3,510
Total Capital 37,776 56,103
Total Risk Weighted Assets 169,088 380,206
Leverage Ratio 13.58 10.71
Common Equity Tier 1 Capital Ratio 21.52 16.284
Tier 1 Capital Ratio 21.52 16.342
Total Capital Ratio 22.34 17.377

Timeline for First Choice Bank

Pontotoc Bancshares Corp.

Pontotoc Bancshares Corp. became a new parent organization for First Choice Bank.

View Profile Oct 31 1997

Security Federal Savings And Loan Association

Acquisition: First Choice Bank acquired a new subsidiary, Security Federal Savings And Loan Association, 30 years

View Profile Apr 16 1994

First Choice Bank

First Choice Bank was established 124 years ago and is currently headquartered in Pontotoc, MS.

Jan 01 1900
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Security Federal Savings And Loan Association Seller 162,511 Failure 4/16/1994
Relationships Role Relationship Start Relationship End
Pontotoc Bancshares Corp. Parent 10/31/1997
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