FDIC Certificate #: 29143 Status: Active Federal Reserve ID: 717670 Date Established: January 01, 1923 WWW:http://www.mysystematic.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 #: 2988 FDIC's unique #: 41977 Numeric code: 36 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: March 05, 1938 Last Structure Change Effective Date: August 05, 2011 Last Structure Change Process Date: August 05, 2011 Last Data Update: August 05, 2011 Data Source Date: April 05, 2012
Location
Address: 318 South Ave, Springfield, MO 65806 County: Greene 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 Metropolitan Statistical Area (MSA): Springfield, MO (#7920) Core Based Statistical Area (CBSA): Springfield, MO (#44180) CBSA Metro Statistical Area: Springfield, MO (#44180)
Financial Summary
Total assets: $45.1 mil Equity capital: $8.0 mil Deposits held in domestic offices: $36.0 mil Return on assets (ROA): 0.16% ($0.1 mil) Quarterly return on assets: 0.30% ($0.1 mil) Return on Equity (ROE): 0.97% ($0.1 mil) Quarterly return on equity: 1.71% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.30% ($135.2 mil) Quarterly Pretax return on assets: -0.41% (-$184.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$45,073Total assets
$4,940Cash and due from depository institutions
$4,861Interest-bearing balances
$2,010Securities
$0Federal funds sold & reverse repurchase agreements
$36,424Net loans & leases
$359Loan loss allowance
$0Trading account assets
$785Bank premises and fixed assets
$97Other real estate owned
$0Goodwill and other intangibles
$45,073Life insurance assets
$817All other assets
$37,121Total liabilities and capital
$36,005Total liabilities
$36,005Total deposits
$36,005Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$116Subordinated debt
$7,952All other liabilities
$7,952Total equity capital
$7,952Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$7,952Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$154Income earned, not collected on loans
$0Earning assets
$156Long-term assets (5+ years)
$43,295Average Assets, year-to-date
$0Average Assets, quarterly
$48,214Volatile liabilities
$45,947Insider loans
$23,184FHLB advances
$45,073Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,952Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,555Total interest income
$773Total interest expense
$1,782Net interest income
$336Provision for loan and lease losses
-$34Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
-$34Additional noninterest income
$1,265Total noninterest expense
$685Salaries and employee benefits
$231Premises and equipment expense
$349Additional noninterest expense
$147Pre-tax net operating income
$0Securities gains (losses)
$71Applicable income taxes
$76Income before extraordinary items
$0Extraordinary gains - net
$76Net income attributable to bank
$0Net charge-offs
$76Cash dividends
$491Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.51%Yield on earning assets
1.67%Cost of funding earning assets
3.84%Net interest margin
-0.07%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
0.16%Net operating income to assets
0.16%Return on assets (ROA)
0.30%Pretax return on assets
0.97%Return on equity (ROE)
0.97%Retained earnings to average equity (YTD only)
1.22%Net charge-offs to loans
68.43%Credit loss provision to net charge-offs
0.98%Efficiency ratio
72,368Assets per employee
5.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.98%Loss allowance to noncurrent loans
233.12%Noncurrent assets plus other real estate owned to assets
0.56%Noncurrent loans to loans
0.42%Net loans and leases to deposits
101.16%Net loans and leases to core deposits
103.40%Equity capital to assets
17.64%Core capital (leverage) ratio
17.64%Tier 1 risk-based capital ratio
34.30%Total risk-based capital ratio
Memoranda
$36Average assets
$48,214Average earning assets
$7,808Average equity
$46,366Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41977
Systematic Savings Bank
318 South Ave, Springfield, MO 65806
January 01, 1923
Full Service Brick and Mortar
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