Macon Building and Loan Association, F.A. - Overview
General
FDIC Certificate #: 28016 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Citizens Bank and Trust Company (#4533) Federal Reserve ID: 791175 Date Established: January 01, 1906 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 743 FDIC's unique #: 40850 Numeric code: 37 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: October 07, 1954 Last Structure Change Effective Date: October 13, 1999 Last Structure Change Process Date: November 08, 1999 Last Data Update: November 08, 1999 Data Source Date: April 05, 2012
Location
Address: 100 North Rollins, Macon, MO 63552 County: Macon 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
Financial Summary
Total assets: $205.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$208,023Total assets
$8,318Cash and due from depository institutions
$7,525Interest-bearing balances
$52,676Securities
$0Federal funds sold & reverse repurchase agreements
$142,064Net loans & leases
$720Loan loss allowance
$0Trading account assets
$278Bank premises and fixed assets
$4Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$4,683All other assets
$208,023Total liabilities and capital
$179,936Total liabilities
$120,929Total deposits
$120,865Interest-bearing deposits
$120,929Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$57,657Other borrowed funds
$0Subordinated debt
$1,350All other liabilities
$28,087Total equity capital
$28,087Total bank equity capital
$28,087Perpetual preferred stock
$0Common stock
$1Surplus
$8,948Undivided profits
Memoranda
$19,138Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,499Earning assets
$0Long-term assets (5+ years)
$815Average Assets, year-to-date
$202,265Average Assets, quarterly
$0Volatile liabilities
$210,098Insider loans
$208,365FHLB advances
$73,838Loans and leases held for sale
$264Unused loan commitments
$57,518Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,822Total unused commitments
$0Restructured Loans and leases
$90,690Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$14,265Total interest income
$10,088Total interest expense
$4,177Net interest income
$60Provision for loan and lease losses
$349Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$349Additional noninterest income
$1,515Total noninterest expense
$1,028Salaries and employee benefits
$149Premises and equipment expense
$338Additional noninterest expense
$2,951Pre-tax net operating income
$14Securities gains (losses)
$982Applicable income taxes
$1,983Income before extraordinary items
$0Extraordinary gains - net
$1,983Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$1,000Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.01%Yield on earning assets
4.96%Cost of funding earning assets
2.05%Net interest margin
0.17%Noninterest income to earning assets
0.74%Noninterest expense to earning assets
0.94%Net operating income to assets
0.94%Return on assets (ROA)
1.41%Pretax return on assets
7.17%Return on equity (ROE)
3.56%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
33,473Assets per employee
17.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.43%Loss allowance to loans
0.50%Loss allowance to noncurrent loans
48.03%Noncurrent assets plus other real estate owned to assets
0.72%Noncurrent loans to loans
1.05%Net loans and leases to deposits
117.48%Net loans and leases to core deposits
135.62%Equity capital to assets
13.50%Core capital (leverage) ratio
13.26%Tier 1 risk-based capital ratio
30.33%Total risk-based capital ratio
Memoranda
$31Average assets
$210,098Average earning assets
$27,648Average equity
$203,447Average loans
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