Vitals
  • Total Assets
    361.9M 1.8 %
  • Total Deposits
    303.3M 4.9 %
  • Total Net Loans
    292.7M -0.2 %
  • Net Income
    3.2M 26.5 %
  • Book Value
    46.5M 3.7 %
  • Book Value x2
    92.9M 3.7 %
  • Book Value x3
    139.4M 3.7 %
ROAA

.863

ROAE

6.942

Efficiency Ratio

71.759

Net Interest Margin

3.519

Balance Sheet Highlights
Financial Highlights First Commercial Bank All Insured Commercial Banks in Mississippi
Balance Sheet $(000)
Total Assets 361,851 525,484
Total Net Loans 292,715 348,104
Total Deposits 303,264 440,088
Total Equity 46,461 60,485
Profitability
Net Income 3,226 5,177
Return on Average Assets .863 .911
Return on Average Equity 6.942 8.357
Net Interest Margin 3.519 3.971
Efficiency Ratio 71.759 70.327
Noninterest Income/Revenue 8.19 22.171
Balance Sheet Ratios
Loan-to-Deposit 96.522 71.665
Securities/Assets .053 .197
Total Equity/Total Assets .128 .115
Tangible Equity/Tangible Assets .123 .102
Capital Adequacy
Tier 1 Common Capital 44,779 52,498
Tier 1 Capital 44,779 52,598
Tier 2 Capital 3,624 3,510
Total Capital 48,403 56,103
Total Risk Weighted Assets 328,064 380,206
Leverage Ratio 12.72 10.71
Common Equity Tier 1 Capital Ratio 13.65 16.284
Tier 1 Capital Ratio 13.65 16.342
Total Capital Ratio 14.75 17.377

Timeline for First Commercial Bank

Desoto County Bank

Acquisition: First Commercial Bank acquired a new subsidiary, Desoto County Bank, 8 years

View Profile May 01 2015

Community Church Capital, Inc.

Community Church Capital, Inc. became a new subsidiary organization for First Commercial Bank.

View Profile May 01 2008

First Commercial Bancshares, Inc.

First Commercial Bancshares, Inc. became a new parent organization for First Commercial Bank.

View Profile Oct 01 2005

First Commercial Bank

First Commercial Bank was established 23 years ago and is currently headquartered in Jackson, MS.

Oct 12 2000
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Desoto County Bank Seller 81,064 Acquisition Discontinued 5/1/2015
Relationships Role Relationship Start Relationship End
First Commercial Bancshares, Inc. Parent 10/1/2005
Community Church Capital, Inc. Subsidary 5/1/2008 10/5/2009
Similar Organizations
Organization City State Total Assets
Points West Community Bank
 		Sidney NE 357.4M
The Savings Bank
 		Circleville OH 356.0M
Royal Bank
 		Elroy WI 354.5M
The Bank Of Tescott
 		Tescott KS 364.6M
Farmers And Merchants Union Bank
 		Columbus WI 351.1M
Community 1St Bank
 		Auburn CA 350.6M
The First State Bank
 		Louise TX 368.6M
Oxford Bank
 		Oxford MI 359.2M
Primesouth Bank
 		Blackshear GA 360.4M
Farmers And Merchants Bank
 		Upperco MD 370.0M