RiverHills Bank in city_name, state_name - Detailed Financial Reports, Location

RiverHills Bank in Port Gibson, Mississippi (MS)
Show street view No street view available for this location

RiverHills Bank routing number info

RiverHills Bank - Overview

General
FDIC Certificate #: 8234
Status: Active
Federal Reserve ID: 573335
Bank Holding Company (Regulatory Top Holder): Riverhills Capital Corporation (RSSDID: 1082786, Location: Port Gibson, MS)
Date Established: Febuary 01, 1890
WWW: http://www.riverhillsbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 5251
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 03, 2010
Last Data Update: June 03, 2010
Data Source Date: April 05, 2012
Location
Address: 702 Market Street, Port Gibson, MS 39150
County: Claiborne
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
Change in Location
Financial Summary
Total assets: $255.9 mil
Equity capital: $22.2 mil
Deposits held in domestic offices: $220.6 mil
Return on assets (ROA): 1.22% ($3.1 mil)
Quarterly return on assets: 1.02% ($2.6 mil)
Return on Equity (ROE): 14.00% ($3.1 mil)
Quarterly return on equity: 11.64% ($2.6 mil)
Net income: $3.1 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.22% ($3,122.3 mil)
Quarterly Pretax return on assets: 1.02% ($2,610.4 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
49Total employees (full-time equivalent)
$255,923Total assets
$17,677Cash and due from depository institutions
$12,956Interest-bearing balances
$75,691Securities
$2,875Federal funds sold & reverse repurchase agreements
$152,453Net loans & leases
$3,194Loan loss allowance
$0Trading account assets
$2,331Bank premises and fixed assets
$1,792Other real estate owned
$0Goodwill and other intangibles
$255,923Life insurance assets
$3,104All other assets
$233,754Total liabilities and capital
$220,640Total liabilities
$183,927Total deposits
$220,640Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$12,858Trading liabilities
$0Other borrowed funds
$256Subordinated debt
$22,169All other liabilities
$22,169Total equity capital
$22,169Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$5,000Surplus
$16,669Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$332Income earned, not collected on loans
$0Earning assets
$1,433Long-term assets (5+ years)
$243,975Average Assets, year-to-date
$22,697Average Assets, quarterly
$250,558Volatile liabilities
$254,989Insider loans
$167,122FHLB advances
$256,886Loans and leases held for sale
$315Unused loan commitments
$315Tier 1 (core) risk-based capital
$21,762Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$21,087Restructured Loans and leases
$1,789Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,719Total interest income
$2,897Total interest expense
$7,822Net interest income
$600Provision for loan and lease losses
$1,235Total noninterest income
$0Fiduciary activities
$1,117Service charges on deposit accounts
$0Trading account gains & fees
$118Additional noninterest income
$5,399Total noninterest expense
$2,999Salaries and employee benefits
$374Premises and equipment expense
$2,026Additional noninterest expense
$3,058Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$3,058Income before extraordinary items
$0Extraordinary gains - net
$3,058Net income attributable to bank
$0Net charge-offs
$3,058Cash dividends
$417Sale, conversion, retirement of capital stock, net
$1,647Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.50%Yield on earning assets
1.22%Cost of funding earning assets
3.29%Net interest margin
0.52%Noninterest income to earning assets
2.27%Noninterest expense to earning assets
1.22%Net operating income to assets
1.22%Return on assets (ROA)
1.22%Pretax return on assets
14.00%Return on equity (ROE)
6.46%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
143.88%Credit loss provision to net charge-offs
8.77%Efficiency ratio
59,611Assets per employee
5.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.86%Loss allowance to loans
2.05%Loss allowance to noncurrent loans
962.05%Noncurrent assets plus other real estate owned to assets
0.83%Noncurrent loans to loans
0.21%Net loans and leases to deposits
69.10%Net loans and leases to core deposits
78.16%Equity capital to assets
8.66%Core capital (leverage) ratio
8.47%Tier 1 risk-based capital ratio
13.02%Total risk-based capital ratio
Memoranda
$14Average assets
$250,558Average earning assets
$21,840Average equity
$238,094Average 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
$170Managed Assets
1Number of Accounts
$170Personal trust and agency accounts
$170Employee 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
9Number 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

2 Mississippi Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	5251	Riverhills Bank	702 Market Street, Port Gibson, MS 39150	Febuary 01, 1890	Full Service Brick and Mortar
3	218154	Highway 61 North Branch	1400 Hwy 61 North Bypass, Vicksburg, MS 39180	November 08, 1999	Full Service Brick and Mortar

RiverHills Bank in Port Gibson, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

RiverHills Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

RiverHills Bank in Port Gibson, Mississippi (MS)Overview, Financial Summary, Detailed Financial Reports, Branches

RiverHills Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

RiverHills Bank in Port Gibson, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches