FDIC Certificate #: 20183 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Metcalf Bank (#26247) Federal Reserve ID: 505859 Date Established: May 26, 1970 WWW:http://www.bankofjacomo.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 7 (Interstate: No) OTS Docket #: 11356 FDIC's unique #: 13873 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: May 26, 1970 Last Structure Change Effective Date: July 17, 2004 Last Structure Change Process Date: September 01, 2004 Last Data Update: September 01, 2004 Data Source Date: April 05, 2012
Location
Address: 909 South 7 Highway, Blue Springs, MO 64015 County: Jackson 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: $248.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
93Total employees (full-time equivalent)
$253,077Total assets
$7,611Cash and due from depository institutions
$18Interest-bearing balances
$38,181Securities
$11,085Federal funds sold & reverse repurchase agreements
$164,250Net loans & leases
$3,125Loan loss allowance
$0Trading account assets
$3,553Bank premises and fixed assets
$216Other real estate owned
$24,654Goodwill and other intangibles
$0Life insurance assets
$3,527All other assets
$253,077Total liabilities and capital
$209,044Total liabilities
$202,790Total deposits
$147,102Interest-bearing deposits
$202,790Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$5,053Other borrowed funds
$0Subordinated debt
$1,201All other liabilities
$44,033Total equity capital
$44,033Total bank equity capital
$44,033Perpetual preferred stock
$0Common stock
$1,127Surplus
$42,112Undivided profits
Memoranda
$794Noncurrent loans and leases
$51,966Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$426Earning assets
$43Long-term assets (5+ years)
$1,263Average Assets, year-to-date
$213,534Average Assets, quarterly
$15,607Volatile liabilities
$248,700Insider loans
$254,808FHLB advances
$10,991Loans and leases held for sale
$95Unused loan commitments
$4,720Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$324Total risk weighted assets
$51,966Total unused commitments
$0Restructured Loans and leases
$2,166Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$12,343Total interest income
$2,263Total interest expense
$10,080Net interest income
$556Provision for loan and lease losses
$2,999Total noninterest income
$0Fiduciary activities
$2,004Service charges on deposit accounts
$0Trading account gains & fees
$995Additional noninterest income
$6,694Total noninterest expense
$3,637Salaries and employee benefits
$652Premises and equipment expense
$2,405Additional noninterest expense
$5,829Pre-tax net operating income
$0Securities gains (losses)
$2,177Applicable income taxes
$3,652Income before extraordinary items
$0Extraordinary gains - net
$3,652Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$419Sale, conversion, retirement of capital stock, net
$3,475Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.88%Yield on earning assets
1.08%Cost of funding earning assets
4.80%Net interest margin
1.43%Noninterest income to earning assets
3.19%Noninterest expense to earning assets
1.47%Net operating income to assets
1.47%Return on assets (ROA)
2.34%Pretax return on assets
8.31%Return on equity (ROE)
0.40%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
132.70%Credit loss provision to net charge-offs
15.24%Efficiency ratio
51,181Assets per employee
2.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
95.15%Loss allowance to loans
1.87%Loss allowance to noncurrent loans
733.57%Noncurrent assets plus other real estate owned to assets
0.25%Noncurrent loans to loans
0.25%Net loans and leases to deposits
81.00%Net loans and leases to core deposits
85.47%Equity capital to assets
17.40%Core capital (leverage) ratio
8.43%Tier 1 risk-based capital ratio
11.25%Total risk-based capital ratio
Memoranda
$13Average assets
$248,700Average earning assets
$43,950Average equity
$210,024Average loans
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