The Bank of Holly Springs in Holly Springs, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Bank of Holly Springs in Holly Springs, Mississippi (MS)
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The Bank of Holly Springs - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 63Total employees (full-time equivalent)
  • $194,068Total assets
  • $13,517Cash and due from depository institutions
  • $9,600Interest-bearing balances
  • $39,545Securities
  • $291Federal funds sold & reverse repurchase agreements
  • $126,222Net loans & leases
  • $2,128Loan loss allowance
  • $0Trading account assets
  • $5,520Bank premises and fixed assets
  • $1,657Other real estate owned
  • $0Goodwill and other intangibles
  • $194,068Life insurance assets
  • $7,316All other assets
  • $169,301Total liabilities and capital
  • $165,927Total liabilities
  • $133,865Total deposits
  • $165,927Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,374Subordinated debt
  • $24,767All other liabilities
  • $24,767Total equity capital
  • $24,767Total bank equity capital
  • $0Perpetual preferred stock
  • $132Common stock
  • $21,916Surplus
  • $2,719Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,890Income earned, not collected on loans
  • $561Earning assets
  • $1,554Long-term assets (5+ years)
  • $175,658Average Assets, year-to-date
  • $44,373Average Assets, quarterly
  • $192,725Volatile liabilities
  • $197,749Insider loans
  • $118,876FHLB advances
  • $200,304Loans and leases held for sale
  • $4,946Unused loan commitments
  • $4,199Tier 1 (core) risk-based capital
  • $23,297Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $747Total unused commitments
  • $8,743Restructured Loans and leases
  • $1,244Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,996Total interest income
  • $1,782Total interest expense
  • $9,214Net interest income
  • $292Provision for loan and lease losses
  • $1,452Total noninterest income
  • $0Fiduciary activities
  • $1,099Service charges on deposit accounts
  • $0Trading account gains & fees
  • $353Additional noninterest income
  • $7,115Total noninterest expense
  • $4,019Salaries and employee benefits
  • $1,305Premises and equipment expense
  • $1,791Additional noninterest expense
  • $3,259Pre-tax net operating income
  • $52Securities gains (losses)
  • $0Applicable income taxes
  • $3,311Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,311Net income attributable to bank
  • $0Net charge-offs
  • $3,311Cash dividends
  • -$12Sale, conversion, retirement of capital stock, net
  • $1,981Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.33%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 5.30%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 4.09%Noninterest expense to earning assets
  • 1.69%Net operating income to assets
  • 1.72%Return on assets (ROA)
  • 1.72%Pretax return on assets
  • 13.80%Return on equity (ROE)
  • 5.54%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -2433.33%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,707Assets per employee
  • 3.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.83%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 30.89%Noncurrent assets plus other real estate owned to assets
  • 4.40%Noncurrent loans to loans
  • 5.37%Net loans and leases to deposits
  • 76.07%Net loans and leases to core deposits
  • 87.99%Equity capital to assets
  • 12.76%Core capital (leverage) ratio
  • 11.63%Tier 1 risk-based capital ratio
  • 19.60%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $192,725Average earning assets
  • $23,997Average equity
  • $173,781Average loans

List of branches

  • 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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