Holmes County Bank & Trust Company

Holmes County Bank & Trust Company is headquartered in Lexington and is the 61^st largest bank in the state of Mississippi. It is also the 4,479^th largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 29 employees at 4 locations. Holmes County Bank & Trust Company has a 3-star health rating.

Data for Q1 2012

Institution Statistics Holmes County Bank & Trust Company FDIC Certificate # 321 BankRate Report View Year Established 1932 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $119.45 million Loans $59.50 million Deposits $105.03 million Equity Capital $12.57 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $2.76 million Real Estate Owned $1.03 million Historic Data - March 2011 Assets $147.21 million Equity Capital $12.18 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $676,000 Real Estate Owned $673,000 Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets -1.62% Return on Equity -14.9% Interest Income $1.13 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Holmes County Bank & Trust Company had $3.79 million in non-current loans and owned real-estate with $14.48 million in equity and loan loss allowances on hand to cover it. This gives Holmes County Bank & Trust Company a Texas Ratio of 26.19% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Holmes County Bank & Trust Company increased slightly from 9.68% as of March 31, 2011 to 26.19% as of March 31, 2012, resulting in a negative change of 170.46%. This indicates that the balance sheet and financial strength for Holmes County Bank & Trust Company has declined slightly in recent periods. Deposit Growth In the past year, Holmes County Bank & Trust Company has decreased its total deposits by -$28.02 million, resulting in -21.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Holmes County Bank & Trust Company has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Holmes County Bank & Trust Company has $119.45 million in assets with $14.48 million in equity, resulting in a capitalization level of 12.12%, which is excellent.

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