FDIC Certificate #: 18127 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Missouri Bank (#14036) Federal Reserve ID: 1007145 Date Established: October 20, 1911 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) FDIC's unique #: 12048 Numeric code: 13 Regulator: FED 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: December 17, 1959 Last Structure Change Effective Date: Febuary 19, 2011 Last Structure Change Process Date: Febuary 23, 2011 Last Data Update: Febuary 23, 2011 Data Source Date: April 05, 2012
Location
Address: 501 Market Street, Hermann, MO 65041 County: Gasconade Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Columbia Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
Financial Summary
Total assets: $45.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
18Total employees (full-time equivalent)
$45,128Total assets
$4,247Cash and due from depository institutions
$1,716Interest-bearing balances
$13,417Securities
$0Federal funds sold & reverse repurchase agreements
$25,581Net loans & leases
$594Loan loss allowance
$0Trading account assets
$928Bank premises and fixed assets
$214Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$741All other assets
$45,128Total liabilities and capital
$41,224Total liabilities
$41,151Total deposits
$34,050Interest-bearing deposits
$41,151Deposits held in domestic offices
94.84%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$73All other liabilities
$3,904Total equity capital
$3,904Total bank equity capital
$3,904Perpetual preferred stock
$0Common stock
$290Surplus
$715Undivided profits
Memoranda
$2,899Noncurrent loans and leases
$3,706Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3Earning assets
$0Long-term assets (5+ years)
$271Average Assets, year-to-date
$40,714Average Assets, quarterly
$12,929Volatile liabilities
$45,639Insider loans
$46,098FHLB advances
$6,803Loans and leases held for sale
$2,487Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,706Total unused commitments
$0Restructured Loans and leases
$351Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$2,127Total interest income
$499Total interest expense
$1,628Net interest income
$527Provision for loan and lease losses
$202Total noninterest income
$0Fiduciary activities
$180Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$1,284Total noninterest expense
$720Salaries and employee benefits
$173Premises and equipment expense
$391Additional noninterest expense
$19Pre-tax net operating income
$0Securities gains (losses)
$14Applicable income taxes
$5Income before extraordinary items
$0Extraordinary gains - net
$5Net income attributable to bank
$0Net charge-offs
$5Cash dividends
$225Sale, conversion, retirement of capital stock, net
$184Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.07%Yield on earning assets
1.19%Cost of funding earning assets
3.88%Net interest margin
0.48%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
0.01%Net operating income to assets
0.01%Return on assets (ROA)
0.04%Pretax return on assets
0.12%Return on equity (ROE)
-4.21%Retained earnings to average equity (YTD only)
0.79%Net charge-offs to loans
234.22%Credit loss provision to net charge-offs
2.43%Efficiency ratio
70,164Assets per employee
2.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
3680.00%Loss allowance to loans
2.27%Loss allowance to noncurrent loans
19800.00%Noncurrent assets plus other real estate owned to assets
0.48%Noncurrent loans to loans
0.01%Net loans and leases to deposits
62.16%Net loans and leases to core deposits
74.48%Equity capital to assets
8.65%Core capital (leverage) ratio
8.61%Tier 1 risk-based capital ratio
14.55%Total risk-based capital ratio
Memoranda
$16Average assets
$45,639Average earning assets
$4,248Average equity
$41,946Average loans
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