Bank of Anguilla in Anguilla, Mississippi (MS)
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 27 |
| Total assets | $119,313 |
| Cash and due from depository institutions | $4,467 |
| Interest-bearing balances | $236 |
| Securities | $28,039 |
| Federal funds sold & reverse repurchase agreements | $975 |
| Net loans & leases | $71,039 |
| Loan loss allowance | $1,637 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,818 |
| Other real estate owned | $1,075 |
| Goodwill and other intangibles | $0 |
| All other assets | $10,900 |
| Life insurance assets | $119,313 |
| Total liabilities and capital | $106,409 |
| Total liabilities | $94,185 |
| Total deposits | $65,633 |
| Interest-bearing deposits | $94,185 |
| Deposits held in domestic offices | $80 |
| % insured (estimated) | 15.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $8,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $4,209 |
| All other liabilities | $12,904 |
| Total equity capital | $12,904 |
| Total bank equity capital | $12,904 |
| Perpetual preferred stock | $0 |
| Common stock | $461 |
| Surplus | $12,750 |
| Undivided profits | $-307 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $774 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,296 |
| Average Assets, year-to-date | $100,289 |
| Average Assets, quarterly | $15,074 |
| Volatile liabilities | $120,642 |
| Insider loans | $122,731 |
| FHLB advances | $94,445 |
| Loans and leases held for sale | $119,905 |
| Unused loan commitments | $6,315 |
| Tier 1 (core) risk-based capital | $6,315 |
| Tier 2 risk-based capital | $11,596 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $11,286 |
| Derivatives | $6,901 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $5,353 |
| Total interest expense | $636 |
| Net interest income | $4,717 |
| Provision for loan and lease losses | $300 |
| Total noninterest income | $1,042 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $380 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $662 |
| Total noninterest expense | $4,037 |
| Salaries and employee benefits | $2,141 |
| Premises and equipment expense | $633 |
| Additional noninterest expense | $1,263 |
| Pre-tax net operating income | $1,422 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $215 |
| Income before extraordinary items | $1,207 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,207 |
| Net charge-offs | $0 |
| Cash dividends | $1,207 |
| Sale, conversion, retirement of capital stock, net | $92 |
| Net operating income | $400 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.24% |
| Cost of funding earning assets | 0.62% |
| Net interest margin | 4.61% |
| Noninterest income to earning assets | 1.02% |
| Noninterest expense to earning assets | 3.95% |
| Net operating income to assets | 1.00% |
| Return on assets (ROA) | 1.00% |
| Pretax return on assets | 1.18% |
| Return on equity (ROE) | 9.68% |
| Retained earnings to average equity (YTD only) | 6.47% |
| Net charge-offs to loans | 0.13% |
| Credit loss provision to net charge-offs | 326.09% |
| Efficiency ratio | 18.72% |
| Assets per employee | $70,099 |
| Cash dividends to net income (YTD only) | 4.42% |
| Condition Ratios (%) | |
| Loss allowance to loans | 33.14% |
| Loss allowance to noncurrent loans | 2.25% |
| Noncurrent assets plus other real estate owned to assets | 211.50% |
| Noncurrent loans to loans | 1.55% |
| Net loans and leases to deposits | 1.07% |
| Net loans and leases to core deposits | 75.42% |
| Equity capital to assets | 93.79% |
| Core capital (leverage) ratio | 10.82% |
| Tier 1 risk-based capital ratio | 9.67% |
| Total risk-based capital ratio | 12.28% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $120,642 |
| Average equity | $12,468 |
| Average loans | $102,228 |
| 5 Mississippi Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 5258 | Bank Of Anguilla | 130 Holland Street, Anguilla, MS 38721 | January 01, 1904 | Full Service Brick and Mortar |  |
| 1 | 218183 | Rolling Fork Branch | 21 Delta Street, Rolling Fork, MS 39159 | May 01, 1933 | Full Service Brick and Mortar |  |
| 2 | 218184 | Cary Branch | 113 Dogwood, Cary, MS 39054 | November 07, 1968 | Full Service Brick and Mortar | |
| 3 | 218185 | Drive-In Teller's Window Branch | Delta And Walnut Streets, Rolling Fork, MS 39159 | May 22, 1975 | Limited Service Facility | |
| 4 | 218186 | Mayersville Branch | 128 Mayfield, Mayersville, MS 39113 | May 18, 1976 | Full Service Brick and Mortar | |
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