FDIC Certificate #: 34560 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Farmers Bank & Trust, National Association (#17614) Federal Reserve ID: 2576433 Date Established: October 27, 1997 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 5 (Interstate: No) FDIC's unique #: 59068 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: October 27, 1997 Last Structure Change Effective Date: Febuary 28, 2008 Last Structure Change Process Date: March 07, 2008 Last Data Update: March 07, 2008 Data Source Date: April 05, 2012
Location
Address: 3 East Springfield, Sullivan, MO 63080 County: Franklin Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: St. Louis Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040) Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476) Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180) CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
Financial Summary
Total assets: $202.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
63Total employees (full-time equivalent)
$202,049Total assets
$3,709Cash and due from depository institutions
$0Interest-bearing balances
$28,012Securities
$3,094Federal funds sold & reverse repurchase agreements
$136,568Net loans & leases
$1,667Loan loss allowance
$0Trading account assets
$12,007Bank premises and fixed assets
$125Other real estate owned
$15,948Goodwill and other intangibles
$0Life insurance assets
$2,586All other assets
$202,049Total liabilities and capital
$170,256Total liabilities
$158,665Total deposits
$147,416Interest-bearing deposits
$158,665Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$9,000Other borrowed funds
$0Subordinated debt
$2,591All other liabilities
$31,793Total equity capital
$31,793Total bank equity capital
$31,793Perpetual preferred stock
$0Common stock
$1,625Surplus
$29,805Undivided profits
Memoranda
$363Noncurrent loans and leases
$12,435Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$849Earning assets
$0Long-term assets (5+ years)
$1,040Average Assets, year-to-date
$167,674Average Assets, quarterly
$28,149Volatile liabilities
$190,509Insider loans
$199,747FHLB advances
$49,720Loans and leases held for sale
$5,660Unused loan commitments
$9,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$241Total risk weighted assets
$12,435Total unused commitments
$0Restructured Loans and leases
$1,667Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$3,580Total interest income
$2,106Total interest expense
$1,474Net interest income
$0Provision for loan and lease losses
$433Total noninterest income
$0Fiduciary activities
$267Service charges on deposit accounts
$0Trading account gains & fees
$166Additional noninterest income
$1,572Total noninterest expense
$821Salaries and employee benefits
$257Premises and equipment expense
$494Additional noninterest expense
$335Pre-tax net operating income
$0Securities gains (losses)
$135Applicable income taxes
$200Income before extraordinary items
$0Extraordinary gains - net
$200Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$16Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.15%Yield on earning assets
1.26%Cost of funding earning assets
0.88%Net interest margin
0.26%Noninterest income to earning assets
0.94%Noninterest expense to earning assets
0.10%Net operating income to assets
0.10%Return on assets (ROA)
0.18%Pretax return on assets
0.95%Return on equity (ROE)
0.95%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
79,601Assets per employee
3.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
196.35%Noncurrent assets plus other real estate owned to assets
0.48%Noncurrent loans to loans
0.61%Net loans and leases to deposits
86.07%Net loans and leases to core deposits
125.35%Equity capital to assets
15.74%Core capital (leverage) ratio
8.63%Tier 1 risk-based capital ratio
11.52%Total risk-based capital ratio
Memoranda
$13Average assets
$190,509Average earning assets
$20,967Average equity
$166,657Average loans
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