FDIC Certificate #: 10613 Status: Active Federal Reserve ID: 205159 Bank Holding Company (Regulatory Top Holder): State Bank Of Slater Employee Stock Ownership Plan & Trust (RSSDID: 2895198, Location: Slater, MO) Date Established: January 01, 1895 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 11874 FDIC's unique #: 6803 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 West Maple, Slater, MO 65349 County: Saline 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 Core Based Statistical Area (CBSA): Marshall, MO (#32180) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $40.9 mil Equity capital: $5.1 mil Deposits held in domestic offices: $35.2 mil Return on assets (ROA): 0.94% ($0.4 mil) Quarterly return on assets: 0.98% ($0.4 mil) Return on Equity (ROE): 7.79% ($0.4 mil) Quarterly return on equity: 7.90% ($0.4 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.42% ($580.6 mil) Quarterly Pretax return on assets: 1.48% ($605.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$40,887Total assets
$4,749Cash and due from depository institutions
$2,467Interest-bearing balances
$5,781Securities
$275Federal funds sold & reverse repurchase agreements
$28,318Net loans & leases
$322Loan loss allowance
$0Trading account assets
$934Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$40,887Life insurance assets
$830All other assets
$35,828Total liabilities and capital
$35,202Total liabilities
$29,072Total deposits
$35,202Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$500Trading liabilities
$0Other borrowed funds
$126Subordinated debt
$5,059All other liabilities
$5,059Total equity capital
$5,059Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$400Surplus
$4,559Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6Income earned, not collected on loans
$0Earning assets
$358Long-term assets (5+ years)
$36,841Average Assets, year-to-date
$872Average Assets, quarterly
$41,028Volatile liabilities
$40,267Insider loans
$33,574FHLB advances
$40,196Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,034Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,773Restructured Loans and leases
$600Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,928Total interest income
$321Total interest expense
$1,607Net interest income
$25Provision for loan and lease losses
$164Total noninterest income
$0Fiduciary activities
$143Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$1,165Total noninterest expense
$640Salaries and employee benefits
$261Premises and equipment expense
$264Additional noninterest expense
$581Pre-tax net operating income
$0Securities gains (losses)
$194Applicable income taxes
$387Income before extraordinary items
$0Extraordinary gains - net
$387Net income attributable to bank
$0Net charge-offs
$387Cash dividends
$5Sale, conversion, retirement of capital stock, net
$256Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.19%Yield on earning assets
0.86%Cost of funding earning assets
4.32%Net interest margin
0.44%Noninterest income to earning assets
3.14%Noninterest expense to earning assets
0.94%Net operating income to assets
0.94%Return on assets (ROA)
1.42%Pretax return on assets
7.79%Return on equity (ROE)
2.64%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
500.00%Credit loss provision to net charge-offs
121.20%Efficiency ratio
65,782Assets per employee
4.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
66.15%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
5366.67%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.02%Net loans and leases to deposits
80.44%Net loans and leases to core deposits
83.59%Equity capital to assets
12.37%Core capital (leverage) ratio
12.52%Tier 1 risk-based capital ratio
14.99%Total risk-based capital ratio
Memoranda
$16Average assets
$41,028Average earning assets
$4,965Average equity
$37,159Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6803
State Bank Of Slater
201 West Maple, Slater, MO 65349
January 01, 1895
Full Service Brick and Mortar
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