FDIC Certificate #: 9802 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Goppert Financial Bank (#8569) Federal Reserve ID: 941457 Date Established: August 03, 1895 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 6277 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: October 01, 2008 Last Structure Change Process Date: October 24, 2008 Last Data Update: October 24, 2008 Data Source Date: April 05, 2012
Location
Address: Second And Pine Streets, Norborne, MO 64668 County: Carroll 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: $27.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
6Total employees (full-time equivalent)
$27,429Total assets
$845Cash and due from depository institutions
$0Interest-bearing balances
$8,377Securities
$88Federal funds sold & reverse repurchase agreements
$17,330Net loans & leases
$179Loan loss allowance
$0Trading account assets
$189Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$600All other assets
$27,429Total liabilities and capital
$24,273Total liabilities
$23,359Total deposits
$18,622Interest-bearing deposits
$23,359Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$600Other borrowed funds
$0Subordinated debt
$314All other liabilities
$3,156Total equity capital
$3,156Total bank equity capital
$3,156Perpetual preferred stock
$0Common stock
$160Surplus
$390Undivided profits
Memoranda
$2,606Noncurrent loans and leases
$5,224Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$54Earning assets
$0Long-term assets (5+ years)
$535Average Assets, year-to-date
$25,795Average Assets, quarterly
$2,019Volatile liabilities
$24,860Insider loans
$26,373FHLB advances
$3,206Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,224Total unused commitments
$0Restructured Loans and leases
$179Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$1,702Total interest income
$574Total interest expense
$1,128Net interest income
$0Provision for loan and lease losses
$96Total noninterest income
$0Fiduciary activities
$79Service charges on deposit accounts
$0Trading account gains & fees
$17Additional noninterest income
$702Total noninterest expense
$475Salaries and employee benefits
$69Premises and equipment expense
$158Additional noninterest expense
$522Pre-tax net operating income
$0Securities gains (losses)
$161Applicable income taxes
$361Income before extraordinary items
$0Extraordinary gains - net
$361Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$7Sale, conversion, retirement of capital stock, net
$192Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.27%Yield on earning assets
2.45%Cost of funding earning assets
4.82%Net interest margin
0.41%Noninterest income to earning assets
3.00%Noninterest expense to earning assets
1.45%Net operating income to assets
1.45%Return on assets (ROA)
2.10%Pretax return on assets
11.72%Return on equity (ROE)
5.49%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
74.57%Efficiency ratio
57,353Assets per employee
4.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.19%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
331.48%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.31%Net loans and leases to deposits
74.19%Net loans and leases to core deposits
85.99%Equity capital to assets
11.51%Core capital (leverage) ratio
11.58%Tier 1 risk-based capital ratio
17.51%Total risk-based capital ratio
Memoranda
$19Average assets
$24,860Average earning assets
$3,079Average equity
$23,424Average loans
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