RiverHills Bank (MS)

RiverHills Bank (MS) is headquartered in Port Gibson and is the 33^rd largest bank in the state of Mississippi. It is also the 2,370^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 46 employees at 2 locations. RiverHills Bank (MS) has a 4-star health rating.

Data for Q1 2012

Institution Statistics RiverHills Bank FDIC Certificate # 8234 BankRate Report View Year Established 1890 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $273.01 million Loans $152.69 million Deposits $236.12 million Equity Capital $22.82 million Loan Loss Allowance $3.33 million Unbacked Noncurrent Loans $1.22 million Real Estate Owned $1.63 million Historic Data - March 2011 Assets $258.42 million Equity Capital $21.49 million Loan Loss Allowance $3.05 million Unbacked Noncurrent Loans $1.30 million Real Estate Owned $793,000 Profit Margin - Quarterly Net Interest Margin 3.12% Return on Assets 1.28% Return on Equity 15.1% Interest Income $2.59 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 RiverHills Bank (MS) had $2.84 million in non-current loans and owned real-estate with $26.15 million in equity and loan loss allowances on hand to cover it. This gives RiverHills Bank (MS) a Texas Ratio of 10.86% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for RiverHills Bank (MS) held steady from 8.54% as of March 31, 2011 to 10.86% as of March 31, 2012, resulting in a negative change of 27.22%. This indicates that the balance sheet and financial strength for RiverHills Bank (MS) has held steady in recent periods. Deposit Growth In the past year, RiverHills Bank (MS) has increased its total deposits by $12.58 million, resulting in 5.63% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth RiverHills Bank (MS) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. RiverHills Bank (MS) has $273.01 million in assets with $26.15 million in equity, resulting in a capitalization level of 9.58%, which is average.

No reviews have been left for this bank yet. Be the first to review.