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


Bank of Yazoo City - Overview

  • General
  • FDIC Certificate #: 11431
    Status: Active
    Federal Reserve ID: 118736
    Bank Holding Company (Regulatory Top Holder): Yazoo Capital Corporation (RSSDID: 1083402, Location: Yazoo City, MS)
    Date Established: April 15, 1876
    WWW: http://www.bankofyazoo.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 14695
    FDIC's unique #: 7300
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    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: 104 North Main Street, Yazoo City, MS 39194
    County: Yazoo
    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
    Combined Statistical Area (CSA): Jackson-Yazoo City, MS (#298)
    Core Based Statistical Area (CBSA): Yazoo City, MS (#49540)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $200.6 mil
    Equity capital: $19.6 mil
    Deposits held in domestic offices: $178.6 mil
    Return on assets (ROA): 0.82% ($1.6 mil)
    Quarterly return on assets: 0.88% ($1.8 mil)
    Return on Equity (ROE): 8.75% ($1.8 mil)
    Quarterly return on equity: 8.94% ($1.8 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.11% ($2,227.1 mil)
    Quarterly Pretax return on assets: 1.21% ($2,427.8 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
  • 56Total employees (full-time equivalent)
  • $200,643Total assets
  • $10,623Cash and due from depository institutions
  • $789Interest-bearing balances
  • $42,340Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $130,056Net loans & leases
  • $2,203Loan loss allowance
  • $0Trading account assets
  • $8,436Bank premises and fixed assets
  • $928Other real estate owned
  • $0Goodwill and other intangibles
  • $200,643Life insurance assets
  • $8,260All other assets
  • $181,072Total liabilities and capital
  • $178,596Total liabilities
  • $144,130Total deposits
  • $178,596Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $249Trading liabilities
  • $0Other borrowed funds
  • $2,227Subordinated debt
  • $19,571All other liabilities
  • $19,571Total equity capital
  • $19,571Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $14,960Surplus
  • $4,111Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $798Income earned, not collected on loans
  • $0Earning assets
  • $1,270Long-term assets (5+ years)
  • $173,185Average Assets, year-to-date
  • $38,499Average Assets, quarterly
  • $203,969Volatile liabilities
  • $202,763Insider loans
  • $146,499FHLB advances
  • $201,302Loans and leases held for sale
  • $5,484Unused loan commitments
  • $5,484Tier 1 (core) risk-based capital
  • $19,406Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,018Restructured Loans and leases
  • $791Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,415Total interest income
  • $1,464Total interest expense
  • $7,951Net interest income
  • $616Provision for loan and lease losses
  • $1,802Total noninterest income
  • $15Fiduciary activities
  • $1,161Service charges on deposit accounts
  • $0Trading account gains & fees
  • $626Additional noninterest income
  • $6,973Total noninterest expense
  • $3,765Salaries and employee benefits
  • $889Premises and equipment expense
  • $2,319Additional noninterest expense
  • $2,164Pre-tax net operating income
  • $96Securities gains (losses)
  • $581Applicable income taxes
  • $1,679Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,679Net income attributable to bank
  • $0Net charge-offs
  • $1,679Cash dividends
  • $542Sale, conversion, retirement of capital stock, net
  • $932Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 4.44%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 3.89%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 8.75%Return on equity (ROE)
  • 3.90%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 113.65%Credit loss provision to net charge-offs
  • 5.13%Efficiency ratio
  • 71,496Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.51%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 276.07%Noncurrent assets plus other real estate owned to assets
  • 0.86%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 72.82%Net loans and leases to core deposits
  • 79.33%Equity capital to assets
  • 9.75%Core capital (leverage) ratio
  • 9.64%Tier 1 risk-based capital ratio
  • 13.25%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $203,969Average earning assets
  • $19,178Average equity
  • $179,029Average 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
  • $10,549Managed Assets
  • 1Number of Accounts
  • $7,418Personal trust and agency accounts
  • $7,417Employee 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
  • $1Non-managed Assets
  • 28Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,131Other retirement accounts
  • $3,131Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07300Bank Of Yazoo City104 North Main Street, Yazoo City, MS 39194April 15, 1876Full Service Brick and Mortar
    1224623Lintonia Branch826 Grand Avenue, Yazoo City, MS 39194May 10, 1965Limited Service Facility
    3361121Benton Branch1291 Old Hwy 16, Benton, MS 39039January 24, 2001Limited Service Facility
    4362626Highway 49 Branch1405 Jerry Clower, Yazoo City, MS 39194November 30, 2001Limited Service Facility
    6424217Pearl, Mississippi Branch5650 Highway 80 East, Pearl, MS 39208November 12, 2003Full Service Brick and Mortar
    7441450Bank Of Yazoo City686 Highway 49, Flora, MS 39071June 20, 2005Full Service Brick and Mortar
    8468429Flowood Branch1717 Old Fannin Road, Flowood, MS 39232August 24, 2007Full Service Brick and Mortar

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