The Bank of Holly Springs in Holly Springs, Mississippi (MS)



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The Bank of Holly Springs routing number info

Table of contents:
The Bank of Holly Springs
GeneralFDIC Certificate #: 8232
Status: Active
Federal Reserve ID: 835743
Bank Holding Company (Regulatory Top Holder): Holly Springs Bancshares Inc (RSSDID: 2590644, Location: Holly Springs, MS)
Date Established: Febuary 01, 1869
WWW: http://www.bankofhollysprings.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 16031
FDIC's unique #: 5250
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: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 970 Hwy 7 N, Holly Springs, MS 38635
County: Marshall
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
History of ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $194.1 mil
Equity capital: $24.8 mil
Deposits held in domestic offices: $165.9 mil
Return on assets (ROA): 1.72% ($3.3 mil)
Quarterly return on assets: 1.32% ($2.6 mil)
Return on Equity (ROE): 13.80% ($3.5 mil)
Quarterly return on equity: 10.47% ($2.6 mil)
Net income: $3.3 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.72% ($3,338.0 mil)
Quarterly Pretax return on assets: 1.32% ($2,561.7 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)63
Total assets$194,068
Cash and due from depository institutions$13,517
Interest-bearing balances$9,600
Securities$39,545
Federal funds sold & reverse repurchase agreements$291
Net loans & leases$126,222
Loan loss allowance $2,128
Trading account assets$0
Bank premises and fixed assets$5,520
Other real estate owned$1,657
Goodwill and other intangibles$0
All other assets$7,316
Life insurance assets$194,068
Total liabilities and capital$169,301
Total liabilities$165,927
Total deposits$133,865
Interest-bearing deposits$165,927
Deposits held in domestic offices$85
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,374
All other liabilities $24,767
Total equity capital$24,767
Total bank equity capital$24,767
Perpetual preferred stock$0
Common stock$132
Surplus$21,916
Undivided profits $2,719
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 $6,890
Earning assets $561
Long-term assets (5+ years) $1,554
Average Assets, year-to-date $175,658
Average Assets, quarterly $44,373
Volatile liabilities $192,725
Insider loans $197,749
FHLB advances $118,876
Loans and leases held for sale $200,304
Unused loan commitments $4,946
Tier 1 (core) risk-based capital $4,199
Tier 2 risk-based capital $23,297
Total risk weighted assets $0
Total unused commitments $747
Restructured Loans and leases $8,743
Derivatives$1,244
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,996
Total interest expense $1,782
Net interest income $9,214
Provision for loan and lease losses $292
Total noninterest income $1,452
Fiduciary activities $0
Service charges on deposit accounts $1,099
Trading account gains & fees $0
Additional noninterest income $353
Total noninterest expense $7,115
Salaries and employee benefits $4,019
Premises and equipment expense $1,305
Additional noninterest expense $1,791
Pre-tax net operating income $3,259
Securities gains (losses) $52
Applicable income taxes $0
Income before extraordinary items $3,311
Extraordinary gains - net $0
Net income attributable to bank $3,311
Net charge-offs $0
Cash dividends $3,311
Sale, conversion, retirement of capital stock, net -$12
Net operating income $1,981
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.33%
Cost of funding earning assets 1.03%
Net interest margin 5.30%
Noninterest income to earning assets 0.84%
Noninterest expense to earning assets 4.09%
Net operating income to assets 1.69%
Return on assets (ROA) 1.72%
Pretax return on assets 1.72%
Return on equity (ROE) 13.80%
Retained earnings to average equity (YTD only) 5.54%
Net charge-offs to loans -0.01%
Credit loss provision to net charge-offs -2433.33%
Efficiency ratio0.00%
Assets per employee$66,707
Cash dividends to net income (YTD only)3.08%
Condition Ratios (%)
Loss allowance to loans 59.83%
Loss allowance to noncurrent loans 1.66%
Noncurrent assets plus other real estate owned to assets 30.89%
Noncurrent loans to loans 4.40%
Net loans and leases to deposits5.37%
Net loans and leases to core deposits 76.07%
Equity capital to assets 87.99%
Core capital (leverage) ratio 12.76%
Tier 1 risk-based capital ratio 11.63%
Total risk-based capital ratio 19.60%
Memoranda
Average assets$21
Average earning assets$192,725
Average equity $23,997
Average loans $173,781
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5 Mississippi Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05250The Bank Of Holly Springs970 Hwy 7 N, Holly Springs, MS 38635Febuary 01, 1869Full Service Brick and Mortar
1218150Potts Camp Branch6640 Church Street, Potts Camp, MS 38659September 10, 1959Full Service Brick and Mortar
2218151Slayden Branch102 North Slayden Road, Lamar, MS 38642August 30, 1965Full Service Brick and Mortar
3218152Abbeville Branch2 Business 7 North, Abbeville, MS 38601Febuary 12, 1975Full Service Brick and Mortar
4456822Holly Springs Branch970 Highway 7 South, Holly Springs, MS 38635December 05, 2006Full Service Brick and Mortar
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