FDIC Certificate #: 8278 Status: Active Federal Reserve ID: 816948 Bank Holding Company (Regulatory Top Holder): Dkb Bancshares, Inc. (RSSDID: 3693999, Location: Birch Tree, MO) Date Established: January 01, 1929 WWW:http://www.bankofbirchtree.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 #: 5280 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: 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: County Road Ff And U.S. Highway 60, Birch Tree, MO 65438 County: Shannon Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $23.5 mil Equity capital: $3.6 mil Deposits held in domestic offices: $19.8 mil Return on assets (ROA): 0.87% ($0.2 mil) Quarterly return on assets: 0.37% ($0.1 mil) Return on Equity (ROE): 5.63% ($0.2 mil) Quarterly return on equity: 2.41% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.28% ($300.5 mil) Quarterly Pretax return on assets: 0.51% ($119.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$23,480Total assets
$2,182Cash and due from depository institutions
$1,336Interest-bearing balances
$3,277Securities
$643Federal funds sold & reverse repurchase agreements
$16,657Net loans & leases
$422Loan loss allowance
$0Trading account assets
$242Bank premises and fixed assets
$75Other real estate owned
$0Goodwill and other intangibles
$23,480Life insurance assets
$404All other assets
$19,830Total liabilities and capital
$19,762Total liabilities
$15,696Total deposits
$19,762Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$68Subordinated debt
$3,650All other liabilities
$3,650Total equity capital
$3,650Total bank equity capital
$0Perpetual preferred stock
$30Common stock
$500Surplus
$3,120Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$481Income earned, not collected on loans
$0Earning assets
$134Long-term assets (5+ years)
$21,913Average Assets, year-to-date
$1,693Average Assets, quarterly
$23,444Volatile liabilities
$23,555Insider loans
$15,713FHLB advances
$23,291Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,609Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,032Restructured Loans and leases
$93Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,431Total interest income
$178Total interest expense
$1,253Net interest income
$157Provision for loan and lease losses
$175Total noninterest income
$0Fiduciary activities
$141Service charges on deposit accounts
$0Trading account gains & fees
$34Additional noninterest income
$1,005Total noninterest expense
$646Salaries and employee benefits
$75Premises and equipment expense
$284Additional noninterest expense
$266Pre-tax net operating income
$34Securities gains (losses)
$96Applicable income taxes
$204Income before extraordinary items
$0Extraordinary gains - net
$204Net income attributable to bank
$0Net charge-offs
$204Cash dividends
$84Sale, conversion, retirement of capital stock, net
$208Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.50%Yield on earning assets
0.81%Cost of funding earning assets
5.69%Net interest margin
0.80%Noninterest income to earning assets
4.57%Noninterest expense to earning assets
0.77%Net operating income to assets
0.87%Return on assets (ROA)
1.28%Pretax return on assets
5.63%Return on equity (ROE)
-0.11%Retained earnings to average equity (YTD only)
0.49%Net charge-offs to loans
186.90%Credit loss provision to net charge-offs
5.04%Efficiency ratio
70,378Assets per employee
1.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
101.96%Loss allowance to loans
2.47%Loss allowance to noncurrent loans
87.73%Noncurrent assets plus other real estate owned to assets
2.37%Noncurrent loans to loans
2.82%Net loans and leases to deposits
84.29%Net loans and leases to core deposits
84.29%Equity capital to assets
15.55%Core capital (leverage) ratio
15.50%Tier 1 risk-based capital ratio
22.97%Total risk-based capital ratio
Memoranda
$24Average assets
$23,444Average earning assets
$3,621Average equity
$22,006Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5280
Bank Of Birch Tree
County Road Ff And U.S. Highway 60, Birch Tree, MO 65438
January 01, 1929
Full Service Brick and Mortar
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