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


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
  • NoIDNameAddressEstablishedService TypeMap
    05251Riverhills Bank702 Market Street, Port Gibson, MS 39150Febuary 01, 1890Full Service Brick and Mortar
    3218154Highway 61 North Branch1400 Hwy 61 North Bypass, Vicksburg, MS 39180November 08, 1999Full Service Brick and Mortar

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