Bank of Yazoo City in Yazoo City, Mississippi (MS)



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Bank of Yazoo City routing number info

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Bank of Yazoo City
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)56
Total assets$200,643
Cash and due from depository institutions$10,623
Interest-bearing balances$789
Securities$42,340
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$130,056
Loan loss allowance $2,203
Trading account assets$0
Bank premises and fixed assets$8,436
Other real estate owned$928
Goodwill and other intangibles$0
All other assets$8,260
Life insurance assets$200,643
Total liabilities and capital$181,072
Total liabilities$178,596
Total deposits$144,130
Interest-bearing deposits$178,596
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$249
Other borrowed funds $0
Subordinated debt $2,227
All other liabilities $19,571
Total equity capital$19,571
Total bank equity capital$19,571
Perpetual preferred stock$0
Common stock$500
Surplus$14,960
Undivided profits $4,111
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 $798
Earning assets $0
Long-term assets (5+ years) $1,270
Average Assets, year-to-date $173,185
Average Assets, quarterly $38,499
Volatile liabilities $203,969
Insider loans $202,763
FHLB advances $146,499
Loans and leases held for sale $201,302
Unused loan commitments $5,484
Tier 1 (core) risk-based capital $5,484
Tier 2 risk-based capital $19,406
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $11,018
Derivatives$791
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,415
Total interest expense $1,464
Net interest income $7,951
Provision for loan and lease losses $616
Total noninterest income $1,802
Fiduciary activities $15
Service charges on deposit accounts $1,161
Trading account gains & fees $0
Additional noninterest income $626
Total noninterest expense $6,973
Salaries and employee benefits $3,765
Premises and equipment expense $889
Additional noninterest expense $2,319
Pre-tax net operating income $2,164
Securities gains (losses) $96
Applicable income taxes $581
Income before extraordinary items $1,679
Extraordinary gains - net $0
Net income attributable to bank $1,679
Net charge-offs $0
Cash dividends $1,679
Sale, conversion, retirement of capital stock, net $542
Net operating income $932
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.26%
Cost of funding earning assets 0.82%
Net interest margin 4.44%
Noninterest income to earning assets 1.01%
Noninterest expense to earning assets 3.89%
Net operating income to assets 0.79%
Return on assets (ROA) 0.82%
Pretax return on assets 1.11%
Return on equity (ROE) 8.75%
Retained earnings to average equity (YTD only) 3.90%
Net charge-offs to loans 0.40%
Credit loss provision to net charge-offs 113.65%
Efficiency ratio5.13%
Assets per employee$71,496
Cash dividends to net income (YTD only)3.58%
Condition Ratios (%)
Loss allowance to loans 55.51%
Loss allowance to noncurrent loans 1.67%
Noncurrent assets plus other real estate owned to assets 276.07%
Noncurrent loans to loans 0.86%
Net loans and leases to deposits0.60%
Net loans and leases to core deposits 72.82%
Equity capital to assets 79.33%
Core capital (leverage) ratio 9.75%
Tier 1 risk-based capital ratio 9.64%
Total risk-based capital ratio 13.25%
Memoranda
Average assets$14
Average earning assets$203,969
Average equity $19,178
Average loans $179,029
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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 Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$10,549
Number of Accounts1
Personal trust and agency accounts$7,418
Employee benefit-defined contribution accounts$7,417
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$1
Number of Accounts28
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$3,131
Corporate trust and agency accounts$3,131
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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