St Francois County Bank, FSB in Farmington, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 05, 1996

St Francois County Bank, FSB in Farmington, Missouri (MO)
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St Francois County Bank, FSB - Overview

General
FDIC Certificate #: 28711
Status: Inactive
Closing history: Absorption - Without Assistance
Acquiring institution: New Era Bank (#14546)
Federal Reserve ID: 141378
Date Established: January 01, 1907
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 2198
FDIC's unique #: 41545
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: May 08, 1937
Last Structure Change Effective Date: January 05, 1996
Last Structure Change Process Date: Febuary 21, 1996
Last Data Update: Febuary 21, 1996
Data Source Date: April 05, 2012
Location
Address: 11 East Liberty St, Farmington, MO 63640
County: St. Francois
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): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): Farmington, MO (#22100)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $41.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$10Total assets
$41,346Cash and due from depository institutions
$2,646Interest-bearing balances
$1,255Securities
$1,499Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$35,414Loan loss allowance
$317Trading account assets
$0Bank premises and fixed assets
$1,063Other real estate owned
$152Goodwill and other intangibles
$572Life insurance assets
$0All other assets
$0Total liabilities and capital
$41,346Total liabilities
$33,635Total deposits
$33,140Interest-bearing deposits
$33,140Deposits held in domestic offices
33140.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$294Subordinated debt
$0All other liabilities
$201Total equity capital
$201Total bank equity capital
$7,711Perpetual preferred stock
$0Common stock
$4Surplus
$1,793Undivided profits
Memoranda
$5,914Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$390Income earned, not collected on loans
$115Earning assets
$38,168Long-term assets (5+ years)
$0Average Assets, year-to-date
$40,574Average Assets, quarterly
$41,173Volatile liabilities
$900Insider loans
$354FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$310Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,442Total risk weighted assets
$24,464Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$3,072Total interest expense
$1,626Net interest income
$1,446Provision for loan and lease losses
$99Total noninterest income
$131Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$131Total noninterest expense
$1,040Salaries and employee benefits
$548Premises and equipment expense
$166Additional noninterest expense
$326Pre-tax net operating income
$438Securities gains (losses)
-$1Applicable income taxes
$168Income before extraordinary items
$269Extraordinary gains - net
$0Net income attributable to bank
$269Net charge-offs
$0Cash dividends
$75Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.96%Cost of funding earning assets
4.22%Net interest margin
3.75%Noninterest income to earning assets
0.34%Noninterest expense to earning assets
2.70%Net operating income to assets
0.66%Return on assets (ROA)
0.66%Pretax return on assets
1.08%Return on equity (ROE)
3.58%Retained earnings to average equity (YTD only)
2.58%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
65,948Assets per employee
4.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
27.88%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
81.28%Noncurrent assets plus other real estate owned to assets
1.11%Noncurrent loans to loans
1.09%Net loans and leases to deposits
106.86%Net loans and leases to core deposits
108.85%Equity capital to assets
18.65%Core capital (leverage) ratio
18.12%Tier 1 risk-based capital ratio
30.42%Total risk-based capital ratio
Memoranda
$32Average assets
$40,574Average earning assets
$7,517Average equity
$38,572Average loans

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