FDIC Certificate #: 1056 Status: Active Federal Reserve ID: 836151 Bank Holding Company (Regulatory Top Holder): Gregg Bancshares, Inc. (RSSDID: 3402342, Location: Glasgow, MO) Date Established: January 01, 1852 WWW:http://www.glasgowsavingsbank.com 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 #: 706 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: January 01, 1934 Last Structure Change Effective Date: March 16, 2011 Last Structure Change Process Date: March 16, 2011 Last Data Update: March 16, 2011 Data Source Date: April 05, 2012
Location
Address: 601 First Street, Glasgow, MO 65254 County: Howard 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): Columbia, MO (#17860) CBSA Metro Statistical Area: Columbia, MO (#17860)
Financial Summary
Total assets: $23.7 mil Equity capital: $1.5 mil Deposits held in domestic offices: $22.2 mil Return on assets (ROA): -1.63% (-$0.4 mil) Quarterly return on assets: 0.37% ($0.1 mil) Return on Equity (ROE): -27.84% (-$0.3 mil) Quarterly return on equity: 6.36% ($0.1 mil) Net income: -$0.5 mil Quarterly Net income: $0.0 mil Pretax return on assets: -1.45% (-$343.6 mil) Quarterly Pretax return on assets: -0.26% (-$61.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
7Total employees (full-time equivalent)
$23,697Total assets
$706Cash and due from depository institutions
$0Interest-bearing balances
$2,077Securities
$3,038Federal funds sold & reverse repurchase agreements
$17,040Net loans & leases
$953Loan loss allowance
$0Trading account assets
$407Bank premises and fixed assets
$30Other real estate owned
$0Goodwill and other intangibles
$23,697Life insurance assets
$399All other assets
$22,242Total liabilities and capital
$22,158Total liabilities
$17,517Total deposits
$22,158Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$84Subordinated debt
$1,455All other liabilities
$1,455Total equity capital
$1,455Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$5,083Surplus
$-3,828Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,725Income earned, not collected on loans
$0Earning assets
$197Long-term assets (5+ years)
$22,155Average Assets, year-to-date
$1,817Average Assets, quarterly
$29,036Volatile liabilities
$24,629Insider loans
$18,631FHLB advances
$24,629Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,431Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$792Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,236Total interest income
$200Total interest expense
$1,036Net interest income
$401Provision for loan and lease losses
$8Total noninterest income
$0Fiduciary activities
$63Service charges on deposit accounts
$0Trading account gains & fees
-$55Additional noninterest income
$1,064Total noninterest expense
$486Salaries and employee benefits
$112Premises and equipment expense
$466Additional noninterest expense
-$421Pre-tax net operating income
$0Securities gains (losses)
$51Applicable income taxes
-$472Income before extraordinary items
$0Extraordinary gains - net
-$472Net income attributable to bank
$0Net charge-offs
-$472Cash dividends
$750Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.55%Yield on earning assets
0.74%Cost of funding earning assets
3.82%Net interest margin
0.03%Noninterest income to earning assets
3.92%Noninterest expense to earning assets
-1.63%Net operating income to assets
-1.63%Return on assets (ROA)
-1.45%Pretax return on assets
-27.84%Return on equity (ROE)
-27.84%Retained earnings to average equity (YTD only)
3.95%Net charge-offs to loans
53.47%Credit loss provision to net charge-offs
-0.03%Efficiency ratio
101,916Assets per employee
3.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
5.30%Loss allowance to noncurrent loans
34.97%Noncurrent assets plus other real estate owned to assets
11.63%Noncurrent loans to loans
15.14%Net loans and leases to deposits
76.90%Net loans and leases to core deposits
76.90%Equity capital to assets
6.14%Core capital (leverage) ratio
5.81%Tier 1 risk-based capital ratio
7.68%Total risk-based capital ratio
Memoranda
$9Average assets
$29,036Average earning assets
$1,695Average equity
$27,140Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
706
Glasgow Savings Bank
601 First Street, Glasgow, MO 65254
January 01, 1852
Full Service Brick and Mortar
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