Bank of Winona in Winona, Mississippi (MS)
| Bank of Winona | |
|---|---|
| General | FDIC Certificate #: 12207 Status: Active Federal Reserve ID: 800442 Bank Holding Company (Regulatory Top Holder): Bancorp Of Winona, Inc. (RSSDID: 3229503, Location: Winona, MS) Date Established: June 15, 1885 WWW: http://www.bankofwinona.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7755 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012 |
| Location | Address: 312 North Applegate, Winona, MS 38967 County: Montgomery Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Jackson Ms Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $110.8 mil Equity capital: $11.4 mil Deposits held in domestic offices: $96.6 mil Return on assets (ROA): 0.66% ($0.7 mil) Quarterly return on assets: -0.91% (-$1.0 mil) Return on Equity (ROE): 6.76% ($0.7 mil) Quarterly return on equity: -8.64% (-$1.0 mil) Net income: $0.7 mil Quarterly Net income: -$0.2 mil Pretax return on assets: 0.66% ($731.5 mil) Quarterly Pretax return on assets: -0.91% (-$1,008.6 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 19 |
| Total assets | $110,837 |
| Cash and due from depository institutions | $18,157 |
| Interest-bearing balances | $3,836 |
| Securities | $38,941 |
| Federal funds sold & reverse repurchase agreements | $3,846 |
| Net loans & leases | $42,744 |
| Loan loss allowance | $647 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,483 |
| Other real estate owned | $1,084 |
| Goodwill and other intangibles | $0 |
| All other assets | $3,582 |
| Life insurance assets | $110,837 |
| Total liabilities and capital | $99,410 |
| Total liabilities | $96,621 |
| Total deposits | $80,488 |
| Interest-bearing deposits | $96,621 |
| Deposits held in domestic offices | $92 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $2,789 |
| All other liabilities | $11,427 |
| Total equity capital | $11,427 |
| Total bank equity capital | $11,427 |
| Perpetual preferred stock | $0 |
| Common stock | $450 |
| Surplus | $6,900 |
| Undivided profits | $4,077 |
| 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 | $2,260 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $887 |
| Average Assets, year-to-date | $89,367 |
| Average Assets, quarterly | $39,357 |
| Volatile liabilities | $108,060 |
| Insider loans | $110,023 |
| FHLB advances | $71,174 |
| Loans and leases held for sale | $110,947 |
| Unused loan commitments | $2,259 |
| Tier 1 (core) risk-based capital | $2,259 |
| Tier 2 risk-based capital | $10,341 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $1,926 |
| Derivatives | $419 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $4,466 |
| Total interest expense | $1,074 |
| Net interest income | $3,392 |
| Provision for loan and lease losses | $120 |
| Total noninterest income | $514 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $300 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $214 |
| Total noninterest expense | $3,091 |
| Salaries and employee benefits | $1,829 |
| Premises and equipment expense | $314 |
| Additional noninterest expense | $948 |
| Pre-tax net operating income | $695 |
| Securities gains (losses) | $14 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $709 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $709 |
| Net charge-offs | $0 |
| Cash dividends | $709 |
| Sale, conversion, retirement of capital stock, net | $61 |
| Net operating income | $642 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.00% |
| Cost of funding earning assets | 1.20% |
| Net interest margin | 3.80% |
| Noninterest income to earning assets | 0.58% |
| Noninterest expense to earning assets | 3.46% |
| Net operating income to assets | 0.64% |
| Return on assets (ROA) | 0.66% |
| Pretax return on assets | 0.66% |
| Return on equity (ROE) | 6.76% |
| Retained earnings to average equity (YTD only) | 0.64% |
| Net charge-offs to loans | 0.14% |
| Credit loss provision to net charge-offs | 196.72% |
| Efficiency ratio | 13.36% |
| Assets per employee | $79,135 |
| Cash dividends to net income (YTD only) | 5.83% |
| Condition Ratios (%) | |
| Loss allowance to loans | 90.55% |
| Loss allowance to noncurrent loans | 1.49% |
| Noncurrent assets plus other real estate owned to assets | 28.63% |
| Noncurrent loans to loans | 3.02% |
| Net loans and leases to deposits | 5.21% |
| Net loans and leases to core deposits | 44.24% |
| Equity capital to assets | 46.10% |
| Core capital (leverage) ratio | 10.31% |
| Tier 1 risk-based capital ratio | 9.32% |
| Total risk-based capital ratio | 14.53% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $108,060 |
| Average equity | $10,491 |
| Average loans | $89,318 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $954 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $954 |
| Employee benefit-defined contribution accounts | $954 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $0 |
| Number of Accounts | 10 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 1 Mississippi Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 7755 | Bank Of Winona | 312 North Applegate, Winona, MS 38967 | June 15, 1885 | Full Service Brick and Mortar |  |
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