This institution is no longer active

Operations ceased on December 31, 2008. CRA examination history below reflects the period it was active.

FIRST BANK AND TRUST OF MISSISSIPPI

WINONA, MS · Supervised by FDIC

Est. 1971FDIC #31,867RSSD: FDIC-31867

Part ofFIRST TRUST CORP→ View all charters

Satisfactory

Current rating · Exam: February 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.11%

Institution Profile

FDIC BankFind

Address

409 Summit Street, WINONA, MS

County

Montgomery County

Established

January 1, 1971

Total Assets

$81M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2009

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2008Call Report / FDIC

Total Assets

$81M

Total Deposits

$70M

Net Loans

$54M

Net Income

$-1,225K

ROA

-2.11%

ROE

-24.01%

Risk-Based Capital

12.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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