FDIC Certificate #: 1623 Status: Active Federal Reserve ID: 566458 Bank Holding Company (Regulatory Top Holder): Overland Bancorp, Inc. (RSSDID: 2267722, Location: Belton, MO) Date Established: August 19, 1884 WWW:http://www.bankofbelton.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1063 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: Commercial Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: August 12, 2010 Last Structure Change Process Date: August 12, 2010 Last Data Update: August 12, 2010 Data Source Date: April 05, 2012
Location
Address: 204 Main Street, Belton, MO 64012 County: Cass 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 Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $47.3 mil Equity capital: $3.2 mil Deposits held in domestic offices: $44.0 mil Return on assets (ROA): -0.87% (-$0.4 mil) Quarterly return on assets: -1.67% (-$0.8 mil) Return on Equity (ROE): -12.23% (-$0.4 mil) Quarterly return on equity: -24.43% (-$0.7 mil) Net income: -$0.4 mil Quarterly Net income: -$0.2 mil Pretax return on assets: -0.73% (-$345.5 mil) Quarterly Pretax return on assets: -1.42% (-$672.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
29Total employees (full-time equivalent)
$47,323Total assets
$8,181Cash and due from depository institutions
$6,498Interest-bearing balances
$7,053Securities
$4,470Federal funds sold & reverse repurchase agreements
$22,232Net loans & leases
$494Loan loss allowance
$0Trading account assets
$446Bank premises and fixed assets
$3,142Other real estate owned
$440Goodwill and other intangibles
$47,323Life insurance assets
$1,359All other assets
$44,118Total liabilities and capital
$43,982Total liabilities
$35,767Total deposits
$43,982Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$136Subordinated debt
$3,205All other liabilities
$3,205Total equity capital
$3,205Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,000Surplus
$2,005Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,055Income earned, not collected on loans
$295Earning assets
$131Long-term assets (5+ years)
$40,253Average Assets, year-to-date
$512Average Assets, quarterly
$48,640Volatile liabilities
$48,271Insider loans
$28,851FHLB advances
$46,924Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,355Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,991Restructured Loans and leases
$246Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,530Total interest income
$195Total interest expense
$1,335Net interest income
$45Provision for loan and lease losses
$1,358Total noninterest income
$1,075Fiduciary activities
$151Service charges on deposit accounts
$0Trading account gains & fees
$132Additional noninterest income
$3,001Total noninterest expense
$1,533Salaries and employee benefits
$230Premises and equipment expense
$1,238Additional noninterest expense
-$353Pre-tax net operating income
$0Securities gains (losses)
$72Applicable income taxes
-$425Income before extraordinary items
$0Extraordinary gains - net
-$425Net income attributable to bank
$0Net charge-offs
-$425Cash dividends
$132Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.65%Yield on earning assets
0.46%Cost of funding earning assets
3.18%Net interest margin
3.24%Noninterest income to earning assets
7.15%Noninterest expense to earning assets
-0.87%Net operating income to assets
-0.87%Return on assets (ROA)
-0.73%Pretax return on assets
-12.23%Return on equity (ROE)
-12.23%Retained earnings to average equity (YTD only)
0.51%Net charge-offs to loans
34.09%Credit loss provision to net charge-offs
-2.33%Efficiency ratio
111,437Assets per employee
1.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.17%Loss allowance to noncurrent loans
24.04%Noncurrent assets plus other real estate owned to assets
10.98%Noncurrent loans to loans
9.04%Net loans and leases to deposits
50.55%Net loans and leases to core deposits
50.55%Equity capital to assets
6.77%Core capital (leverage) ratio
5.02%Tier 1 risk-based capital ratio
8.16%Total risk-based capital ratio
Memoranda
$9Average assets
$48,640Average earning assets
$3,475Average equity
$41,964Average 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
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Belton.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: