Bank of Yazoo City, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

In 1876, a forward-thinking group of Yazoo-area businessmen formed a bank to supply capital for the cotton industry, which was finally rebounding after the devastation of the Civil War. Over the next 40 years, Bank of Yazoo weathered all manner of challenges, from Yellow Fever epidemics to major floods to plummeting cotton prices to the infamous 1904 fire that claimed not only the Bank’s offices, but 27 blocks of Yazoo City. After the fire, the bank rebuilt in a more favorable location, and by 1914, the bank became a “guaranteed” bank with deposits approaching $1 million.

By 1945, resources were up to nearly $6.5 million, and the Bank was accepted as a member bank of the Federal Reserve System. The 1950s brought drive-through service for customers, another first for Yazoo City banking, while the 1960s and 1970s saw record growth in deposits, branches and service when the Bank opened its personal loan department in 1976. More recently, Bank of Yazoo marked the new millennium with successful entry into new markets: in Madison County with the opening of the Flora office in 2005, and in Rankin County with the opening of the Crossgates office in 2005 and the Flowood office in 2007.

Bank of Yazoo provides traditional banking products and services to both retail and small and medium business customers in the service areas in which it operates.

Yazoo City Main Office
104 North Main Street
Yazoo City, Mississippi 39194
Phone: (662) 746-5421
Fax: (662) 751-1057
Fax: (662) 751-8853

Yazoo City, Grand Avenue
838 Grand Avenue
Yazoo City, Mississippi 39194
Phone: (662) 751-1000
Fax: (662) 751-1038

Yazoo City, Jerry Clower Branch
1405 Jerry Clower Boulevard
Yazoo City, Mississippi 39194
Phone: (662) 751-4705
Fax: (662) 746-8979

Benton Branch
1291 Old Highway 16
Benton, MS 39039
Phone: (662)673-0119
Fax: (662)673-9231

Flora Branch
P.O. Box 360
686 Highway 49
Flora, Mississippi 39071
Phone: (601) 879-0060
Fax: (601) 879-0099

Crossgates West Branch
5650 Highway 80 East
Pearl, Mississippi 39208
P.O. Box 6280
Pearl, Mississippi 39288
Phone: (601) 664-2265
Fax: (601) 664-6896
Fax: (601) 664-7499

Flowood Branch
1717 Old Fannin Road
P.O. Box 321209
Flowood, MS 39232
Phone: (601)992-9311
Fax: (601)992-9372