Bank of Gower in Gower, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 2009

  • Bank of Gower in Gower, Missouri (MO)
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Bank of Gower - Overview

  • General
  • FDIC Certificate #: 8262
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Union State Bank of Everest (#18610)
    Federal Reserve ID: 957056
    Date Established: July 17, 1917
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 5270
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 01, 2009
    Last Structure Change Process Date: September 03, 2009
    Last Data Update: September 03, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 321 U.S. Highway 169 South, Gower, MO 64454
    County: Clinton
    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)
  • Financial Summary
  • Total assets: $45.6 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, 2008)

  • Dollar figures in thousands
  • 5Total employees (full-time equivalent)
  • $42,398Total assets
  • $515Cash and due from depository institutions
  • $0Interest-bearing balances
  • $16,449Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,710Net loans & leases
  • $307Loan loss allowance
  • $0Trading account assets
  • $897Bank premises and fixed assets
  • $0Other real estate owned
  • $3,066Goodwill and other intangibles
  • $0Life insurance assets
  • $761All other assets
  • $42,398Total liabilities and capital
  • $36,029Total liabilities
  • $30,163Total deposits
  • $26,972Interest-bearing deposits
  • $30,163Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $853Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $4,945Other borrowed funds
  • $0Subordinated debt
  • $68All other liabilities
  • $6,369Total equity capital
  • $6,369Total bank equity capital
  • $6,369Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $5,842Undivided profits
  • Memoranda
  • $27Noncurrent loans and leases
  • $2,908Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $407Average Assets, year-to-date
  • $37,159Average Assets, quarterly
  • $12,105Volatile liabilities
  • $41,011Insider loans
  • $41,345FHLB advances
  • $7,690Loans and leases held for sale
  • $1,223Unused loan commitments
  • $4,945Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,908Total unused commitments
  • $0Restructured Loans and leases
  • $307Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $356Total interest income
  • $154Total interest expense
  • $202Net interest income
  • $4Provision for loan and lease losses
  • $16Total noninterest income
  • $0Fiduciary activities
  • $7Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9Additional noninterest income
  • $129Total noninterest expense
  • $54Salaries and employee benefits
  • $14Premises and equipment expense
  • $61Additional noninterest expense
  • $85Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $85Income before extraordinary items
  • $0Extraordinary gains - net
  • $85Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $75Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.94%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 0.53%Net interest margin
  • 0.04%Noninterest income to earning assets
  • 0.34%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 1.99%Return on equity (ROE)
  • 0.23%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 58,257Assets per employee
  • 8.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.24%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 68.66%Net loans and leases to core deposits
  • 88.68%Equity capital to assets
  • 15.02%Core capital (leverage) ratio
  • 8.82%Tier 1 risk-based capital ratio
  • 11.96%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $41,011Average earning assets
  • $4,264Average equity
  • $37,895Average loans

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