The Bank of Bolivar County in Shelby, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Bank of Bolivar County in Shelby, Mississippi (MS)
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The Bank of Bolivar County routing number info

The Bank of Bolivar County - Overview

  • General
  • FDIC Certificate #: 15806
    Status: Active
    Federal Reserve ID: 976842
    Bank Holding Company (Regulatory Top Holder): Bolivar Banking Corporation (RSSDID: 2641452, Location: Shelby, MS)
    Date Established: September 05, 1940
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 10050
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: April 04, 1941
    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: 2nd And Forest Street, Shelby, MS 38774
    County: Bolivar
    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
    Core Based Statistical Area (CBSA): Cleveland, MS (#17380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $16.6 mil
    Equity capital: $2.0 mil
    Deposits held in domestic offices: $14.4 mil
    Return on assets (ROA): 0.01% ($0.0 mil)
    Quarterly return on assets: -0.10% (-$0.0 mil)
    Return on Equity (ROE): 0.05% ($0.0 mil)
    Quarterly return on equity: -0.79% (-$0.0 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.01% ($1.7 mil)
    Quarterly Pretax return on assets: -0.10% (-$16.6 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
  • 9Total employees (full-time equivalent)
  • $16,552Total assets
  • $1,660Cash and due from depository institutions
  • $0Interest-bearing balances
  • $10,770Securities
  • $600Federal funds sold & reverse repurchase agreements
  • $3,291Net loans & leases
  • $64Loan loss allowance
  • $0Trading account assets
  • $73Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $16,552Life insurance assets
  • $158All other assets
  • $14,556Total liabilities and capital
  • $14,436Total liabilities
  • $5,265Total deposits
  • $14,436Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $120Subordinated debt
  • $1,996All other liabilities
  • $1,996Total equity capital
  • $1,996Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,529Surplus
  • $367Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $97Long-term assets (5+ years)
  • $14,661Average Assets, year-to-date
  • $10,899Average Assets, quarterly
  • $16,501Volatile liabilities
  • $16,759Insider loans
  • $4,956FHLB advances
  • $16,587Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,819Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $192Restructured Loans and leases
  • $51Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $546Total interest income
  • $64Total interest expense
  • $482Net interest income
  • $0Provision for loan and lease losses
  • $107Total noninterest income
  • $0Fiduciary activities
  • $88Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19Additional noninterest income
  • $588Total noninterest expense
  • $321Salaries and employee benefits
  • $69Premises and equipment expense
  • $198Additional noninterest expense
  • $1Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1Income before extraordinary items
  • $0Extraordinary gains - net
  • $1Net income attributable to bank
  • $0Net charge-offs
  • $1Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.02%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 3.54%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 4.32%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.01%Pretax return on assets
  • 0.05%Return on equity (ROE)
  • 0.05%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.00%Efficiency ratio
  • 99,830Assets per employee
  • 1.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 22.80%Net loans and leases to core deposits
  • 23.23%Equity capital to assets
  • 12.06%Core capital (leverage) ratio
  • 10.97%Tier 1 risk-based capital ratio
  • 36.70%Total risk-based capital ratio
  • Memoranda
  • $38Average assets
  • $16,501Average earning assets
  • $1,961Average equity
  • $13,597Average loans

List of branches

  • 2 Mississippi Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    010050The Bank Of Bolivar County2nd And Forest Street, Shelby, MS 38774September 05, 1940Full Service Brick and Mortar
    2235526Mound Bayou BranchU. S. Highway 61, Mound Bayou, MS 38762December 21, 1967Limited Service Facility

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