B&L Bank in Lexington, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • B&L Bank in Lexington, Missouri (MO)
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B&L Bank - Overview

  • General
  • FDIC Certificate #: 30691
    Status: Active
    Federal Reserve ID: 204376
    Date Established: January 01, 1887
    WWW: http://www.bl-bank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 5755
    FDIC's unique #: 43525
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: March 15, 1954
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 205 South 13th Street, Lexington, MO 64067
    County: Lafayette
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $155.2 mil
    Equity capital: $15.5 mil
    Deposits held in domestic offices: $139.2 mil
    Return on assets (ROA): 0.47% ($0.7 mil)
    Quarterly return on assets: 0.35% ($0.5 mil)
    Return on Equity (ROE): 4.52% ($0.7 mil)
    Quarterly return on equity: 3.33% ($0.5 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.69% ($1,071.1 mil)
    Quarterly Pretax return on assets: 0.50% ($776.2 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
  • 26Total employees (full-time equivalent)
  • $155,234Total assets
  • $34,670Cash and due from depository institutions
  • $25,643Interest-bearing balances
  • $26,628Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $85,635Net loans & leases
  • $1,236Loan loss allowance
  • $0Trading account assets
  • $3,465Bank premises and fixed assets
  • $947Other real estate owned
  • $790Goodwill and other intangibles
  • $155,234Life insurance assets
  • $3,099All other assets
  • $139,746Total liabilities and capital
  • $139,164Total liabilities
  • $127,916Total deposits
  • $139,164Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $582Subordinated debt
  • $15,488All other liabilities
  • $15,488Total equity capital
  • $15,488Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $10,180Surplus
  • $5,307Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,237Income earned, not collected on loans
  • $0Earning assets
  • $688Long-term assets (5+ years)
  • $137,906Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $145,552Volatile liabilities
  • $148,302Insider loans
  • $83,780FHLB advances
  • $154,027Loans and leases held for sale
  • $1,002Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,281Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,229Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,629Total interest income
  • $1,480Total interest expense
  • $4,149Net interest income
  • $590Provision for loan and lease losses
  • $551Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $551Additional noninterest income
  • $3,196Total noninterest expense
  • $1,850Salaries and employee benefits
  • $754Premises and equipment expense
  • $592Additional noninterest expense
  • $914Pre-tax net operating income
  • $93Securities gains (losses)
  • $323Applicable income taxes
  • $684Income before extraordinary items
  • $0Extraordinary gains - net
  • $684Net income attributable to bank
  • $0Net charge-offs
  • $684Cash dividends
  • $465Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.29%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.16%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.43%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 4.52%Return on equity (ROE)
  • 4.52%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 126.88%Credit loss provision to net charge-offs
  • 3.23%Efficiency ratio
  • 68,000Assets per employee
  • 5.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 29.17%Noncurrent assets plus other real estate owned to assets
  • 3.34%Noncurrent loans to loans
  • 4.88%Net loans and leases to deposits
  • 61.54%Net loans and leases to core deposits
  • 62.79%Equity capital to assets
  • 9.98%Core capital (leverage) ratio
  • 9.27%Tier 1 risk-based capital ratio
  • 17.05%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $145,552Average earning assets
  • $15,141Average equity
  • $131,294Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043525B&L Bank205 South 13th Street, Lexington, MO 64067January 01, 1887Full Service Brick and Mortar
    2220021Wellington Branch558 Highway 224, Wellington, MO 64097March 17, 1982Full Service Brick and Mortar
    4495157Odessa Branch228 S 2nd St, Odessa, MO 64076March 01, 2004Full Service Brick and Mortar

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