FDIC Certificate #: 30192 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Central Trust Bank (#12633) Federal Reserve ID: 687773 Date Established: January 01, 1912 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 4921 FDIC's unique #: 43026 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: June 21, 1965 Last Structure Change Effective Date: December 16, 1999 Last Structure Change Process Date: January 01, 2000 Last Data Update: January 01, 2000 Data Source Date: April 05, 2012
Location
Address: 5th & Market Streets, Fulton, MO 65251 County: Callaway 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 Core Based Statistical Area (CBSA): Jefferson City, MO (#27620) CBSA Metro Statistical Area: Jefferson City, MO (#27620)
Financial Summary
Total assets: $116.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
42Total employees (full-time equivalent)
$116,419Total assets
$7,845Cash and due from depository institutions
$7,214Interest-bearing balances
$1,700Securities
$0Federal funds sold & reverse repurchase agreements
$102,743Net loans & leases
$1,032Loan loss allowance
$0Trading account assets
$1,431Bank premises and fixed assets
$158Other real estate owned
$637Goodwill and other intangibles
$0Life insurance assets
$1,905All other assets
$116,419Total liabilities and capital
$97,022Total liabilities
$76,904Total deposits
$73,648Interest-bearing deposits
$76,904Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$19,699Other borrowed funds
$0Subordinated debt
$419All other liabilities
$19,397Total equity capital
$19,397Total bank equity capital
$19,397Perpetual preferred stock
$0Common stock
$1Surplus
$8,548Undivided profits
Memoranda
$10,848Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$453Earning assets
$0Long-term assets (5+ years)
$726Average Assets, year-to-date
$111,657Average Assets, quarterly
$0Volatile liabilities
$112,281Insider loans
$116,952FHLB advances
$29,215Loans and leases held for sale
$432Unused loan commitments
$18,549Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$18,849Total unused commitments
$0Restructured Loans and leases
$69,056Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$8,464Total interest income
$4,881Total interest expense
$3,583Net interest income
$80Provision for loan and lease losses
$463Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$463Additional noninterest income
$2,250Total noninterest expense
$1,298Salaries and employee benefits
$502Premises and equipment expense
$450Additional noninterest expense
$1,716Pre-tax net operating income
$334Securities gains (losses)
$753Applicable income taxes
$1,297Income before extraordinary items
$0Extraordinary gains - net
$1,297Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$27Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.85%Yield on earning assets
4.53%Cost of funding earning assets
3.32%Net interest margin
0.43%Noninterest income to earning assets
2.09%Noninterest expense to earning assets
0.96%Net operating income to assets
1.16%Return on assets (ROA)
1.83%Pretax return on assets
6.97%Return on equity (ROE)
6.97%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
296.30%Credit loss provision to net charge-offs
66.52%Efficiency ratio
55,610Assets per employee
2.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
227.81%Noncurrent assets plus other real estate owned to assets
0.52%Noncurrent loans to loans
0.44%Net loans and leases to deposits
133.60%Net loans and leases to core deposits
152.46%Equity capital to assets
16.66%Core capital (leverage) ratio
16.66%Tier 1 risk-based capital ratio
28.09%Total risk-based capital ratio
Memoranda
$29Average assets
$112,281Average earning assets
$18,602Average equity
$107,779Average loans
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