FDIC Certificate #: 23327 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Wood & Huston Bank (#1060) Federal Reserve ID: 364645 Date Established: Febuary 02, 1981 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 12934 FDIC's unique #: 16349 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: Febuary 02, 1981 Last Structure Change Effective Date: August 21, 1998 Last Structure Change Process Date: September 10, 1998 Last Data Update: September 10, 1998 Data Source Date: April 05, 2012
Location
Address: 111 South Broadview Street, Cape Girardeau, MO 63701 County: Cape Girardeau 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 Combined Statistical Area (CSA): Cape Girardeau-Sikeston-Jackson, MO-IL (#164) Core Based Statistical Area (CBSA): Cape Girardeau-Jackson, MO-IL (#16020) CBSA Metro Statistical Area: Cape Girardeau-Jackson, MO-IL (#16020)
Financial Summary
Total assets: $73.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
35Total employees (full-time equivalent)
$63,575Total assets
$4,363Cash and due from depository institutions
$1,510Interest-bearing balances
$6,434Securities
$2,415Federal funds sold & reverse repurchase agreements
$48,565Net loans & leases
$1,001Loan loss allowance
$0Trading account assets
$965Bank premises and fixed assets
$44Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$789All other assets
$63,575Total liabilities and capital
$57,475Total liabilities
$56,483Total deposits
$47,019Interest-bearing deposits
$56,483Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$739Other borrowed funds
$0Subordinated debt
$253All other liabilities
$6,100Total equity capital
$6,100Total bank equity capital
$6,100Perpetual preferred stock
$0Common stock
$900Surplus
$2,200Undivided profits
Memoranda
$3,000Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$445Earning assets
$0Long-term assets (5+ years)
$323Average Assets, year-to-date
$58,924Average Assets, quarterly
$1,390Volatile liabilities
$62,824Insider loans
$63,154FHLB advances
$2,608Loans and leases held for sale
$22Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$77Total risk weighted assets
$5,006Total unused commitments
$0Restructured Loans and leases
$40,903Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$5,120Total interest income
$2,351Total interest expense
$2,769Net interest income
$88Provision for loan and lease losses
$706Total noninterest income
$0Fiduciary activities
$491Service charges on deposit accounts
$0Trading account gains & fees
$215Additional noninterest income
$2,140Total noninterest expense
$821Salaries and employee benefits
$288Premises and equipment expense
$1,031Additional noninterest expense
$1,247Pre-tax net operating income
$0Securities gains (losses)
$455Applicable income taxes
$792Income before extraordinary items
$0Extraordinary gains - net
$792Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$169Sale, conversion, retirement of capital stock, net
$288Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.78%Yield on earning assets
4.03%Cost of funding earning assets
4.75%Net interest margin
1.21%Noninterest income to earning assets
3.67%Noninterest expense to earning assets
1.26%Net operating income to assets
1.26%Return on assets (ROA)
1.98%Pretax return on assets
13.42%Return on equity (ROE)
8.54%Retained earnings to average equity (YTD only)
0.35%Net charge-offs to loans
52.07%Credit loss provision to net charge-offs
7.90%Efficiency ratio
61,583Assets per employee
1.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
36.36%Loss allowance to loans
2.02%Loss allowance to noncurrent loans
224.94%Noncurrent assets plus other real estate owned to assets
0.77%Noncurrent loans to loans
0.90%Net loans and leases to deposits
85.98%Net loans and leases to core deposits
90.14%Equity capital to assets
9.59%Core capital (leverage) ratio
9.65%Tier 1 risk-based capital ratio
14.88%Total risk-based capital ratio
Memoranda
$16Average assets
$62,824Average earning assets
$5,902Average equity
$58,322Average loans
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