FDIC Certificate #: 35002 Status: Active Federal Reserve ID: 2783763 Date Established: April 12, 1999 WWW:http://www.shelterbank.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15455 FDIC's unique #: 73825 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: April 12, 1999 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 1817 West Broadway, Columbia, MO 65218 County: Boone 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 Metropolitan Statistical Area (MSA): Columbia, MO (#1740) Core Based Statistical Area (CBSA): Columbia, MO (#17860) CBSA Metro Statistical Area: Columbia, MO (#17860)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $172.3 mil Equity capital: $17.7 mil Deposits held in domestic offices: $114.3 mil Return on assets (ROA): 0.57% ($1.0 mil) Quarterly return on assets: 0.44% ($0.8 mil) Return on Equity (ROE): 5.86% ($1.1 mil) Quarterly return on equity: 4.25% ($0.8 mil) Net income: $1.0 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.93% ($1,602.0 mil) Quarterly Pretax return on assets: 0.74% ($1,274.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
23Total employees (full-time equivalent)
$172,261Total assets
$8,191Cash and due from depository institutions
$4,677Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$158,832Net loans & leases
$2,218Loan loss allowance
$0Trading account assets
$82Bank premises and fixed assets
$269Other real estate owned
$0Goodwill and other intangibles
$172,261Life insurance assets
$4,887All other assets
$154,575Total liabilities and capital
$114,320Total liabilities
$110,888Total deposits
$114,320Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$39,206Trading liabilities
$0Other borrowed funds
$1,049Subordinated debt
$17,686All other liabilities
$17,686Total equity capital
$17,686Total bank equity capital
$0Perpetual preferred stock
$10,930Common stock
$863Surplus
$5,893Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$198Income earned, not collected on loans
$0Earning assets
$552Long-term assets (5+ years)
$163,509Average Assets, year-to-date
$0Average Assets, quarterly
$175,489Volatile liabilities
$171,291Insider loans
$133,537FHLB advances
$172,261Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,686Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,896Restructured Loans and leases
$38Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,381Total interest income
$3,748Total interest expense
$4,633Net interest income
$294Provision for loan and lease losses
$276Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$276Additional noninterest income
$2,982Total noninterest expense
$1,768Salaries and employee benefits
$368Premises and equipment expense
$846Additional noninterest expense
$1,633Pre-tax net operating income
$0Securities gains (losses)
$625Applicable income taxes
$1,008Income before extraordinary items
$0Extraordinary gains - net
$1,008Net income attributable to bank
$0Net charge-offs
$1,008Cash dividends
$154Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.98%Yield on earning assets
2.22%Cost of funding earning assets
2.75%Net interest margin
0.16%Noninterest income to earning assets
1.77%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.93%Pretax return on assets
5.86%Return on equity (ROE)
5.86%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
190.91%Credit loss provision to net charge-offs
12.51%Efficiency ratio
60,746Assets per employee
7.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.38%Loss allowance to noncurrent loans
1120.20%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.12%Net loans and leases to deposits
138.94%Net loans and leases to core deposits
212.20%Equity capital to assets
10.27%Core capital (leverage) ratio
10.27%Tier 1 risk-based capital ratio
13.24%Total risk-based capital ratio
Memoranda
$14Average assets
$175,489Average earning assets
$17,197Average equity
$168,460Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
73825
Shelter Financial Bank
1817 West Broadway, Columbia, MO 65218
April 12, 1999
Full Service Brick and Mortar
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