Kirksville Federal Savings Bank in Kirksville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 29, 1995

Kirksville Federal Savings Bank in Kirksville, Missouri (MO)
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Kirksville Federal Savings Bank - Overview

General
FDIC Certificate #: 29045
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Roosevelt Bank (#31746)
Federal Reserve ID: 798679
Date Established: January 01, 1907
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 2823
FDIC's unique #: 41879
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: March 24, 1947
Last Structure Change Effective Date: December 29, 1995
Last Structure Change Process Date: January 31, 1996
Last Data Update: January 31, 1996
Data Source Date: April 05, 2012
Location
Address: 202 East Mcpherson, Kirksville, MO 63501
County: Adair
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): Kirksville, MO (#28860)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $134.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$22Total assets
$128,938Cash and due from depository institutions
$919Interest-bearing balances
$728Securities
$45,996Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$78,873Loan loss allowance
$1,045Trading account assets
$0Bank premises and fixed assets
$627Other real estate owned
$9Goodwill and other intangibles
$2,514Life insurance assets
$0All other assets
$0Total liabilities and capital
$128,938Total liabilities
$113,240Total deposits
$103,856Interest-bearing deposits
$101,963Deposits held in domestic offices
103856.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$8,500Subordinated debt
$0All other liabilities
$884Total equity capital
$884Total bank equity capital
$15,698Perpetual preferred stock
$0Common stock
$6Surplus
$2,934Undivided profits
Memoranda
$12,758Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$87Income earned, not collected on loans
$392Earning assets
$125,597Long-term assets (5+ years)
$0Average Assets, year-to-date
$121,960Average Assets, quarterly
$126,437Volatile liabilities
$16,803Insider loans
$421FHLB advances
$8,500Loans and leases held for sale
$0Unused loan commitments
$895Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$16,089Total risk weighted assets
$54,414Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$7,978Total interest expense
$4,338Net interest income
$3,640Provision for loan and lease losses
-$47Total noninterest income
$255Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$255Total noninterest expense
$1,654Salaries and employee benefits
$944Premises and equipment expense
$158Additional noninterest expense
$552Pre-tax net operating income
$2,288Securities gains (losses)
$22Applicable income taxes
$845Income before extraordinary items
$1,465Extraordinary gains - net
$0Net income attributable to bank
$1,465Net charge-offs
-$20Cash dividends
$1,297Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.72%Cost of funding earning assets
3.65%Net interest margin
3.07%Noninterest income to earning assets
0.21%Noninterest expense to earning assets
1.39%Net operating income to assets
1.19%Return on assets (ROA)
1.20%Pretax return on assets
1.89%Return on equity (ROE)
9.22%Retained earnings to average equity (YTD only)
1.06%Net charge-offs to loans
-0.03%Credit loss provision to net charge-offs
235.00%Efficiency ratio
42,465Assets per employee
5.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
88.53%Loss allowance to loans
1.31%Loss allowance to noncurrent loans
1201.15%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.11%Net loans and leases to deposits
75.94%Net loans and leases to core deposits
82.54%Equity capital to assets
12.17%Core capital (leverage) ratio
12.43%Tier 1 risk-based capital ratio
29.57%Total risk-based capital ratio
Memoranda
$31Average assets
$121,960Average earning assets
$15,890Average equity
$118,732Average loans

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