FDIC Certificate #: 11006 Status: Active Federal Reserve ID: 655156 Date Established: June 16, 1903 WWW:http://www.rsb.net 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 #: 7055 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 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 201 Valley, Rushville, MO 64484 County: Buchanan Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): St. Joseph, MO (#7000) Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140) CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $29.2 mil Equity capital: $2.3 mil Deposits held in domestic offices: $26.8 mil Return on assets (ROA): 0.10% ($0.0 mil) Quarterly return on assets: 0.81% ($0.2 mil) Return on Equity (ROE): 1.24% ($0.0 mil) Quarterly return on equity: 10.16% ($0.2 mil) Net income: $0.0 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.10% ($29.2 mil) Quarterly Pretax return on assets: 0.97% ($283.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$29,183Total assets
$10,894Cash and due from depository institutions
$9,928Interest-bearing balances
$3,691Securities
$0Federal funds sold & reverse repurchase agreements
$14,179Net loans & leases
$206Loan loss allowance
$0Trading account assets
$89Bank premises and fixed assets
$30Other real estate owned
$0Goodwill and other intangibles
$29,183Life insurance assets
$300All other assets
$26,876Total liabilities and capital
$26,780Total liabilities
$24,042Total deposits
$26,780Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$96Subordinated debt
$2,307All other liabilities
$2,307Total equity capital
$2,307Total bank equity capital
$0Perpetual preferred stock
$25Common stock
$155Surplus
$2,127Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$319Income earned, not collected on loans
$0Earning assets
$158Long-term assets (5+ years)
$27,798Average Assets, year-to-date
$1,328Average Assets, quarterly
$28,842Volatile liabilities
$28,595Insider loans
$12,250FHLB advances
$29,442Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,262Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$578Restructured Loans and leases
$90Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,095Total interest income
$440Total interest expense
$655Net interest income
$154Provision for loan and lease losses
$125Total noninterest income
$0Fiduciary activities
$95Service charges on deposit accounts
$0Trading account gains & fees
$30Additional noninterest income
$598Total noninterest expense
$344Salaries and employee benefits
$36Premises and equipment expense
$218Additional noninterest expense
$28Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$28Income before extraordinary items
$0Extraordinary gains - net
$28Net income attributable to bank
$0Net charge-offs
$28Cash dividends
$388Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.12%Yield on earning assets
1.65%Cost of funding earning assets
2.46%Net interest margin
0.47%Noninterest income to earning assets
2.25%Noninterest expense to earning assets
0.10%Net operating income to assets
0.10%Return on assets (ROA)
0.10%Pretax return on assets
1.24%Return on equity (ROE)
1.24%Retained earnings to average equity (YTD only)
2.48%Net charge-offs to loans
39.69%Credit loss provision to net charge-offs
0.47%Efficiency ratio
76,667Assets per employee
4.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.43%Loss allowance to noncurrent loans
64.58%Noncurrent assets plus other real estate owned to assets
1.20%Noncurrent loans to loans
2.22%Net loans and leases to deposits
52.95%Net loans and leases to core deposits
52.95%Equity capital to assets
7.91%Core capital (leverage) ratio
7.68%Tier 1 risk-based capital ratio
18.47%Total risk-based capital ratio
Memoranda
$20Average assets
$28,842Average earning assets
$2,251Average equity
$26,603Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7055
Rushville State Bank
201 Valley, Rushville, MO 64484
June 16, 1903
Full Service Brick and Mortar
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