Bank of Winona in Winona, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Winona - Overview

  • 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)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 19Total employees (full-time equivalent)
  • $110,837Total assets
  • $18,157Cash and due from depository institutions
  • $3,836Interest-bearing balances
  • $38,941Securities
  • $3,846Federal funds sold & reverse repurchase agreements
  • $42,744Net loans & leases
  • $647Loan loss allowance
  • $0Trading account assets
  • $2,483Bank premises and fixed assets
  • $1,084Other real estate owned
  • $0Goodwill and other intangibles
  • $110,837Life insurance assets
  • $3,582All other assets
  • $99,410Total liabilities and capital
  • $96,621Total liabilities
  • $80,488Total deposits
  • $96,621Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,789Subordinated debt
  • $11,427All other liabilities
  • $11,427Total equity capital
  • $11,427Total bank equity capital
  • $0Perpetual preferred stock
  • $450Common stock
  • $6,900Surplus
  • $4,077Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,260Income earned, not collected on loans
  • $0Earning assets
  • $887Long-term assets (5+ years)
  • $89,367Average Assets, year-to-date
  • $39,357Average Assets, quarterly
  • $108,060Volatile liabilities
  • $110,023Insider loans
  • $71,174FHLB advances
  • $110,947Loans and leases held for sale
  • $2,259Unused loan commitments
  • $2,259Tier 1 (core) risk-based capital
  • $10,341Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,926Restructured Loans and leases
  • $419Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,466Total interest income
  • $1,074Total interest expense
  • $3,392Net interest income
  • $120Provision for loan and lease losses
  • $514Total noninterest income
  • $0Fiduciary activities
  • $300Service charges on deposit accounts
  • $0Trading account gains & fees
  • $214Additional noninterest income
  • $3,091Total noninterest expense
  • $1,829Salaries and employee benefits
  • $314Premises and equipment expense
  • $948Additional noninterest expense
  • $695Pre-tax net operating income
  • $14Securities gains (losses)
  • $0Applicable income taxes
  • $709Income before extraordinary items
  • $0Extraordinary gains - net
  • $709Net income attributable to bank
  • $0Net charge-offs
  • $709Cash dividends
  • $61Sale, conversion, retirement of capital stock, net
  • $642Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.46%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 6.76%Return on equity (ROE)
  • 0.64%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 196.72%Credit loss provision to net charge-offs
  • 13.36%Efficiency ratio
  • 79,135Assets per employee
  • 5.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.55%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 28.63%Noncurrent assets plus other real estate owned to assets
  • 3.02%Noncurrent loans to loans
  • 5.21%Net loans and leases to deposits
  • 44.24%Net loans and leases to core deposits
  • 46.10%Equity capital to assets
  • 10.31%Core capital (leverage) ratio
  • 9.32%Tier 1 risk-based capital ratio
  • 14.53%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $108,060Average earning assets
  • $10,491Average equity
  • $89,318Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $954Managed Assets
  • 1Number of Accounts
  • $954Personal trust and agency accounts
  • $954Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 10Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Mississippi Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07755Bank Of Winona312 North Applegate, Winona, MS 38967June 15, 1885Full Service Brick and Mortar

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