FDIC Certificate #: 12207 Status: Active Federal Reserve ID: 800442 Bank Holding Company (Regulatory Top Holder): Bancorp Of Winona, Inc. (RSSDID: 3229503, Location: Winona, MS) Date Established: June 15, 1885 WWW:http://www.bankofwinona.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7755 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: Other Specialized Lending < 1 Billion 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: 312 North Applegate, Winona, MS 38967 County: Montgomery 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $110.8 mil Equity capital: $11.4 mil Deposits held in domestic offices: $96.6 mil Return on assets (ROA): 0.66% ($0.7 mil) Quarterly return on assets: -0.91% (-$1.0 mil) Return on Equity (ROE): 6.76% ($0.7 mil) Quarterly return on equity: -8.64% (-$1.0 mil) Net income: $0.7 mil Quarterly Net income: -$0.2 mil Pretax return on assets: 0.66% ($731.5 mil) Quarterly Pretax return on assets: -0.91% (-$1,008.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$110,837Total assets
$18,157Cash and due from depository institutions
$3,836Interest-bearing balances
$38,941Securities
$3,846Federal funds sold & reverse repurchase agreements
$42,744Net loans & leases
$647Loan loss allowance
$0Trading account assets
$2,483Bank premises and fixed assets
$1,084Other real estate owned
$0Goodwill and other intangibles
$110,837Life insurance assets
$3,582All other assets
$99,410Total liabilities and capital
$96,621Total liabilities
$80,488Total deposits
$96,621Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,789Subordinated debt
$11,427All other liabilities
$11,427Total equity capital
$11,427Total bank equity capital
$0Perpetual preferred stock
$450Common stock
$6,900Surplus
$4,077Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,260Income earned, not collected on loans
$0Earning assets
$887Long-term assets (5+ years)
$89,367Average Assets, year-to-date
$39,357Average Assets, quarterly
$108,060Volatile liabilities
$110,023Insider loans
$71,174FHLB advances
$110,947Loans and leases held for sale
$2,259Unused loan commitments
$2,259Tier 1 (core) risk-based capital
$10,341Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,926Restructured Loans and leases
$419Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,466Total interest income
$1,074Total interest expense
$3,392Net interest income
$120Provision for loan and lease losses
$514Total noninterest income
$0Fiduciary activities
$300Service charges on deposit accounts
$0Trading account gains & fees
$214Additional noninterest income
$3,091Total noninterest expense
$1,829Salaries and employee benefits
$314Premises and equipment expense
$948Additional noninterest expense
$695Pre-tax net operating income
$14Securities gains (losses)
$0Applicable income taxes
$709Income before extraordinary items
$0Extraordinary gains - net
$709Net income attributable to bank
$0Net charge-offs
$709Cash dividends
$61Sale, conversion, retirement of capital stock, net
$642Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.00%Yield on earning assets
1.20%Cost of funding earning assets
3.80%Net interest margin
0.58%Noninterest income to earning assets
3.46%Noninterest expense to earning assets
0.64%Net operating income to assets
0.66%Return on assets (ROA)
0.66%Pretax return on assets
6.76%Return on equity (ROE)
0.64%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
196.72%Credit loss provision to net charge-offs
13.36%Efficiency ratio
79,135Assets per employee
5.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.55%Loss allowance to loans
1.49%Loss allowance to noncurrent loans
28.63%Noncurrent assets plus other real estate owned to assets
3.02%Noncurrent loans to loans
5.21%Net loans and leases to deposits
44.24%Net loans and leases to core deposits
46.10%Equity capital to assets
10.31%Core capital (leverage) ratio
9.32%Tier 1 risk-based capital ratio
14.53%Total risk-based capital ratio
Memoranda
$15Average assets
$108,060Average earning assets
$10,491Average equity
$89,318Average 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
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