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

This bank is inactive as of July 15, 2004

Bank of Kimberling City in Kimberling City, Missouri (MO)
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Bank of Kimberling City - Overview

General
FDIC Certificate #: 21120
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Peoples National Bank , N.A. (#3809)
Federal Reserve ID: 980652
Date Established: June 18, 1973
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
OTS Docket #: 13042
FDIC's unique #: 14599
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: June 18, 1973
Last Structure Change Effective Date: July 15, 2004
Last Structure Change Process Date: July 27, 2004
Last Data Update: July 27, 2004
Data Source Date: April 05, 2012
Location
Address: 12661 State Highway 13, Kimberling City, MO 65686
County: Stone
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
Core Based Statistical Area (CBSA): Branson, MO (#14700)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $125.6 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, 2003)

Dollar figures in thousands
40Total employees (full-time equivalent)
$124,993Total assets
$4,689Cash and due from depository institutions
$185Interest-bearing balances
$23,271Securities
$115Federal funds sold & reverse repurchase agreements
$92,620Net loans & leases
$1,149Loan loss allowance
$0Trading account assets
$2,024Bank premises and fixed assets
$330Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,944All other assets
$124,993Total liabilities and capital
$112,789Total liabilities
$103,290Total deposits
$92,848Interest-bearing deposits
$103,290Deposits held in domestic offices
0.00%% insured (estimated)
$460Federal funds purchased & repurchase agreements
$0Trading liabilities
$8,230Other borrowed funds
$0Subordinated debt
$809All other liabilities
$12,204Total equity capital
$12,204Total bank equity capital
$12,204Perpetual preferred stock
$0Common stock
$720Surplus
$720Undivided profits
Memoranda
$10,764Noncurrent loans and leases
$14,631Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$242Earning assets
$0Long-term assets (5+ years)
$696Average Assets, year-to-date
$116,191Average Assets, quarterly
$25,843Volatile liabilities
$127,236Insider loans
$126,389FHLB advances
$8,920Loans and leases held for sale
$3,412Unused loan commitments
$8,230Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$14,631Total unused commitments
$0Restructured Loans and leases
$1,011Derivatives

Income and Expense (December 31, 2003)

Dollar figures in thousands
$7,504Total interest income
$2,230Total interest expense
$5,274Net interest income
$114Provision for loan and lease losses
$1,125Total noninterest income
$0Fiduciary activities
$763Service charges on deposit accounts
$0Trading account gains & fees
$362Additional noninterest income
$3,336Total noninterest expense
$1,943Salaries and employee benefits
$313Premises and equipment expense
$1,080Additional noninterest expense
$2,949Pre-tax net operating income
$0Securities gains (losses)
$463Applicable income taxes
$2,486Income before extraordinary items
$0Extraordinary gains - net
$2,486Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$72Sale, conversion, retirement of capital stock, net
$1,008Net operating income

Performance and Condition Ratios (December 31, 2003)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.34%Yield on earning assets
1.88%Cost of funding earning assets
4.45%Net interest margin
0.95%Noninterest income to earning assets
2.82%Noninterest expense to earning assets
1.95%Net operating income to assets
1.95%Return on assets (ROA)
2.32%Pretax return on assets
21.15%Return on equity (ROE)
12.58%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
158.33%Credit loss provision to net charge-offs
42.54%Efficiency ratio
52,133Assets per employee
3.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.55%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
474.79%Noncurrent assets plus other real estate owned to assets
0.46%Noncurrent loans to loans
0.26%Net loans and leases to deposits
89.67%Net loans and leases to core deposits
97.52%Equity capital to assets
9.76%Core capital (leverage) ratio
9.38%Tier 1 risk-based capital ratio
14.85%Total risk-based capital ratio
Memoranda
$16Average assets
$127,236Average earning assets
$11,752Average equity
$118,428Average loans

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