Sac River Valley Bank in Stockton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 05, 1999

Sac River Valley Bank in Stockton, Missouri (MO)
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Sac River Valley Bank - Overview

General
FDIC Certificate #: 8300
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Liberty Bank (#34087)
Federal Reserve ID: 296353
Date Established: January 01, 1912
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
OTS Docket #: 12361
FDIC's unique #: 5298
Numeric code: 13
Regulator: FED
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: January 01, 1934
Last Structure Change Effective Date: January 05, 1999
Last Structure Change Process Date: Febuary 26, 1999
Last Data Update: Febuary 26, 1999
Data Source Date: April 05, 2012
Location
Address: Main Street, Stockton, MO 65785
County: Cedar
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
Financial Summary
Total assets: $97.0 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
23Total employees (full-time equivalent)
$97,007Total assets
$13,447Cash and due from depository institutions
$1,274Interest-bearing balances
$15,919Securities
$0Federal funds sold & reverse repurchase agreements
$65,660Net loans & leases
$873Loan loss allowance
$0Trading account assets
$637Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,344All other assets
$97,007Total liabilities and capital
$85,052Total liabilities
$76,226Total deposits
$71,731Interest-bearing deposits
$76,226Deposits held in domestic offices
0.00%% insured (estimated)
$1,377Federal funds purchased & repurchase agreements
$0Trading liabilities
$6,900Other borrowed funds
$0Subordinated debt
$549All other liabilities
$11,955Total equity capital
$11,955Total bank equity capital
$11,955Perpetual preferred stock
$0Common stock
$300Surplus
$500Undivided profits
Memoranda
$11,155Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$889Average Assets, year-to-date
$82,853Average Assets, quarterly
$2,001Volatile liabilities
$96,861Insider loans
$95,174FHLB advances
$15,009Loans and leases held for sale
$139Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,645Total unused commitments
$0Restructured Loans and leases
$65,177Derivatives

Income and Expense (December 31, 1998)

Dollar figures in thousands
$7,400Total interest income
$3,682Total interest expense
$3,718Net interest income
$0Provision for loan and lease losses
$287Total noninterest income
$0Fiduciary activities
$205Service charges on deposit accounts
$0Trading account gains & fees
$82Additional noninterest income
$1,550Total noninterest expense
$887Salaries and employee benefits
$93Premises and equipment expense
$570Additional noninterest expense
$2,455Pre-tax net operating income
$0Securities gains (losses)
$829Applicable income taxes
$1,626Income before extraordinary items
$0Extraordinary gains - net
$1,626Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$21Sale, conversion, retirement of capital stock, net
$800Net operating income

Performance and Condition Ratios (December 31, 1998)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.07%Yield on earning assets
4.02%Cost of funding earning assets
4.05%Net interest margin
0.31%Noninterest income to earning assets
1.69%Noninterest expense to earning assets
1.68%Net operating income to assets
1.68%Return on assets (ROA)
2.53%Pretax return on assets
14.16%Return on equity (ROE)
7.19%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
38,702Assets per employee
4.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.20%Loss allowance to loans
1.31%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
86.14%Net loans and leases to core deposits
100.87%Equity capital to assets
12.32%Core capital (leverage) ratio
12.52%Tier 1 risk-based capital ratio
18.32%Total risk-based capital ratio
Memoranda
$20Average assets
$96,861Average earning assets
$11,482Average equity
$91,693Average loans

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