FDIC Certificate #: 8288 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BTC Bank (#10618) Federal Reserve ID: 967055 Date Established: July 28, 1928 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 5288 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 30, 1998 Last Structure Change Process Date: December 03, 1998 Last Data Update: December 03, 1998 Data Source Date: April 05, 2012
Location
Address: 101 West Jackson, Gallatin, MO 64640 County: Daviess 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
Financial Summary
Total assets: $27.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
13Total employees (full-time equivalent)
$26,176Total assets
$1,273Cash and due from depository institutions
$0Interest-bearing balances
$9,106Securities
$963Federal funds sold & reverse repurchase agreements
$14,045Net loans & leases
$192Loan loss allowance
$0Trading account assets
$208Bank premises and fixed assets
$101Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$480All other assets
$26,176Total liabilities and capital
$23,042Total liabilities
$22,819Total deposits
$20,391Interest-bearing deposits
$22,819Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$223All other liabilities
$3,134Total equity capital
$3,134Total bank equity capital
$3,134Perpetual preferred stock
$0Common stock
$313Surplus
$587Undivided profits
Memoranda
$2,234Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$110Earning assets
$0Long-term assets (5+ years)
$317Average Assets, year-to-date
$24,114Average Assets, quarterly
$3,036Volatile liabilities
$26,725Insider loans
$26,251FHLB advances
$1,193Loans and leases held for sale
$689Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,012Total unused commitments
$0Restructured Loans and leases
$15,038Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$1,919Total interest income
$972Total interest expense
$947Net interest income
$0Provision for loan and lease losses
$150Total noninterest income
$0Fiduciary activities
$113Service charges on deposit accounts
$0Trading account gains & fees
$37Additional noninterest income
$602Total noninterest expense
$354Salaries and employee benefits
$98Premises and equipment expense
$150Additional noninterest expense
$495Pre-tax net operating income
$0Securities gains (losses)
$151Applicable income taxes
$344Income before extraordinary items
$0Extraordinary gains - net
$344Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$9Sale, conversion, retirement of capital stock, net
$133Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.75%Yield on earning assets
3.93%Cost of funding earning assets
3.83%Net interest margin
0.61%Noninterest income to earning assets
2.43%Noninterest expense to earning assets
1.29%Net operating income to assets
1.29%Return on assets (ROA)
1.85%Pretax return on assets
11.57%Return on equity (ROE)
7.10%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
55.00%Efficiency ratio
54,877Assets per employee
2.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.66%Loss allowance to loans
1.35%Loss allowance to noncurrent loans
174.55%Noncurrent assets plus other real estate owned to assets
0.81%Noncurrent loans to loans
0.77%Net loans and leases to deposits
61.55%Net loans and leases to core deposits
64.94%Equity capital to assets
11.97%Core capital (leverage) ratio
11.78%Tier 1 risk-based capital ratio
20.61%Total risk-based capital ratio
Memoranda
$22Average assets
$26,725Average earning assets
$2,973Average equity
$24,747Average loans
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