The Bank of Bolivar County in Shelby, Mississippi (MS)
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 9 |
| Total assets | $16,552 |
| Cash and due from depository institutions | $1,660 |
| Interest-bearing balances | $0 |
| Securities | $10,770 |
| Federal funds sold & reverse repurchase agreements | $600 |
| Net loans & leases | $3,291 |
| Loan loss allowance | $64 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $73 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $158 |
| Life insurance assets | $16,552 |
| Total liabilities and capital | $14,556 |
| Total liabilities | $14,436 |
| Total deposits | $5,265 |
| Interest-bearing deposits | $14,436 |
| Deposits held in domestic offices | $88 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $120 |
| All other liabilities | $1,996 |
| Total equity capital | $1,996 |
| Total bank equity capital | $1,996 |
| Perpetual preferred stock | $0 |
| Common stock | $100 |
| Surplus | $1,529 |
| Undivided profits | $367 |
| 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 | $0 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $97 |
| Average Assets, year-to-date | $14,661 |
| Average Assets, quarterly | $10,899 |
| Volatile liabilities | $16,501 |
| Insider loans | $16,759 |
| FHLB advances | $4,956 |
| Loans and leases held for sale | $16,587 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $1,819 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $192 |
| Derivatives | $51 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $546 |
| Total interest expense | $64 |
| Net interest income | $482 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $107 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $88 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $19 |
| Total noninterest expense | $588 |
| Salaries and employee benefits | $321 |
| Premises and equipment expense | $69 |
| Additional noninterest expense | $198 |
| Pre-tax net operating income | $1 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $1 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1 |
| Net charge-offs | $0 |
| Cash dividends | $1 |
| Sale, conversion, retirement of capital stock, net | $1 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.02% |
| Cost of funding earning assets | 0.47% |
| Net interest margin | 3.54% |
| Noninterest income to earning assets | 0.79% |
| Noninterest expense to earning assets | 4.32% |
| Net operating income to assets | 0.01% |
| Return on assets (ROA) | 0.01% |
| Pretax return on assets | 0.01% |
| Return on equity (ROE) | 0.05% |
| Retained earnings to average equity (YTD only) | 0.05% |
| Net charge-offs to loans | 0.03% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 1.00% |
| Assets per employee | $99,830 |
| Cash dividends to net income (YTD only) | 1.84% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 1.91% |
| Noncurrent assets plus other real estate owned to assets | 0.00% |
| Noncurrent loans to loans | 0.00% |
| Net loans and leases to deposits | 0.00% |
| Net loans and leases to core deposits | 22.80% |
| Equity capital to assets | 23.23% |
| Core capital (leverage) ratio | 12.06% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 36.70% |
| Memoranda | |
| Average assets | $38 |
| Average earning assets | $16,501 |
| Average equity | $1,961 |
| Average loans | $13,597 |
| 2 Mississippi Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 10050 | The Bank Of Bolivar County | 2nd And Forest Street, Shelby, MS 38774 | September 05, 1940 | Full Service Brick and Mortar |  |
| 2 | 235526 | Mound Bayou Branch | U. S. Highway 61, Mound Bayou, MS 38762 | December 21, 1967 | Limited Service Facility |  |
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