FDIC Certificate #: 16247 Status: Active Federal Reserve ID: 503640 Date Established: March 31, 1945 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 10441 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: April 07, 1945 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 101 East Chestnut, Clarence, MO 63437 County: Shelby 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $18.4 mil Equity capital: $3.9 mil Deposits held in domestic offices: $14.4 mil Return on assets (ROA): 0.87% ($0.2 mil) Quarterly return on assets: 0.82% ($0.1 mil) Return on Equity (ROE): 4.03% ($0.2 mil) Quarterly return on equity: 3.74% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.17% ($215.7 mil) Quarterly Pretax return on assets: 1.06% ($195.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
5Total employees (full-time equivalent)
$18,438Total assets
$2,478Cash and due from depository institutions
$1,687Interest-bearing balances
$7,562Securities
$0Federal funds sold & reverse repurchase agreements
$8,155Net loans & leases
$109Loan loss allowance
$0Trading account assets
$20Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,438Life insurance assets
$223All other assets
$14,498Total liabilities and capital
$14,427Total liabilities
$9,217Total deposits
$14,427Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$71Subordinated debt
$3,940All other liabilities
$3,940Total equity capital
$3,940Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$300Surplus
$3,540Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$156Long-term assets (5+ years)
$17,404Average Assets, year-to-date
$1,971Average Assets, quarterly
$18,216Volatile liabilities
$18,055Insider loans
$10,139FHLB advances
$18,224Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,932Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$139Restructured Loans and leases
$569Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$663Total interest income
$75Total interest expense
$588Net interest income
$0Provision for loan and lease losses
$39Total noninterest income
$0Fiduciary activities
$24Service charges on deposit accounts
$0Trading account gains & fees
$15Additional noninterest income
$413Total noninterest expense
$184Salaries and employee benefits
$36Premises and equipment expense
$193Additional noninterest expense
$214Pre-tax net operating income
$0Securities gains (losses)
$56Applicable income taxes
$158Income before extraordinary items
$0Extraordinary gains - net
$158Net income attributable to bank
$0Net charge-offs
$158Cash dividends
$1Sale, conversion, retirement of capital stock, net
$80Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.90%Yield on earning assets
0.44%Cost of funding earning assets
3.46%Net interest margin
0.23%Noninterest income to earning assets
2.43%Noninterest expense to earning assets
0.87%Net operating income to assets
0.87%Return on assets (ROA)
1.17%Pretax return on assets
4.03%Return on equity (ROE)
1.99%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
214.00%Efficiency ratio
65,869Assets per employee
3.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.63%Loss allowance to loans
1.32%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
56.53%Net loans and leases to core deposits
56.53%Equity capital to assets
21.37%Core capital (leverage) ratio
21.58%Tier 1 risk-based capital ratio
38.78%Total risk-based capital ratio
Memoranda
$40Average assets
$18,216Average earning assets
$3,920Average equity
$17,011Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10441
Clarence State Bank
101 East Chestnut, Clarence, MO 63437
March 31, 1945
Full Service Brick and Mortar
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