FDIC Certificate #: 22916 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Wood & Huston Bank (#1060) Federal Reserve ID: 630256 Date Established: August 01, 1979 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 14458 FDIC's unique #: 16023 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: August 01, 1979 Last Structure Change Effective Date: October 26, 1998 Last Structure Change Process Date: November 10, 1998 Last Data Update: November 10, 1998 Data Source Date: April 05, 2012
Location
Address: 1319 North Porter Wagoner Boulevard, West Plains, MO 65775 County: Howell Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): West Plains, MO (#48460) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $33.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
24Total employees (full-time equivalent)
$30,180Total assets
$1,239Cash and due from depository institutions
$0Interest-bearing balances
$2,742Securities
$185Federal funds sold & reverse repurchase agreements
$25,053Net loans & leases
$377Loan loss allowance
$0Trading account assets
$541Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$420All other assets
$30,180Total liabilities and capital
$26,970Total liabilities
$26,822Total deposits
$21,963Interest-bearing deposits
$26,822Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$148All other liabilities
$3,210Total equity capital
$3,210Total bank equity capital
$3,210Perpetual preferred stock
$0Common stock
$560Surplus
$873Undivided profits
Memoranda
$1,777Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$124Earning assets
$0Long-term assets (5+ years)
$221Average Assets, year-to-date
$27,980Average Assets, quarterly
$176Volatile liabilities
$28,647Insider loans
$30,174FHLB advances
$956Loans and leases held for sale
$654Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,983Total unused commitments
$0Restructured Loans and leases
$21,383Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$2,404Total interest income
$807Total interest expense
$1,597Net interest income
$46Provision for loan and lease losses
$443Total noninterest income
$0Fiduciary activities
$341Service charges on deposit accounts
$0Trading account gains & fees
$102Additional noninterest income
$1,366Total noninterest expense
$627Salaries and employee benefits
$103Premises and equipment expense
$636Additional noninterest expense
$628Pre-tax net operating income
$0Securities gains (losses)
$230Applicable income taxes
$398Income before extraordinary items
$0Extraordinary gains - net
$398Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$9Sale, conversion, retirement of capital stock, net
$154Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.23%Yield on earning assets
3.10%Cost of funding earning assets
6.13%Net interest margin
1.70%Noninterest income to earning assets
5.25%Noninterest expense to earning assets
1.39%Net operating income to assets
1.39%Return on assets (ROA)
2.19%Pretax return on assets
12.78%Return on equity (ROE)
7.83%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
511.11%Credit loss provision to net charge-offs
74.89%Efficiency ratio
66,961Assets per employee
1.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.69%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
304.03%Noncurrent assets plus other real estate owned to assets
0.41%Noncurrent loans to loans
0.49%Net loans and leases to deposits
93.40%Net loans and leases to core deposits
96.86%Equity capital to assets
10.64%Core capital (leverage) ratio
10.73%Tier 1 risk-based capital ratio
14.97%Total risk-based capital ratio
Memoranda
$16Average assets
$28,647Average earning assets
$3,115Average equity
$26,042Average loans
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