FDIC Certificate #: 9797 Status: Active Federal Reserve ID: 666059 Bank Holding Company (Regulatory Top Holder): Macks Creek Bancshares, Inc. (RSSDID: 2797621, Location: Macks Creek, MO) Date Established: May 15, 1911 WWW:http://www.bankofmc.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6276 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: 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: All Other Specialization < 1 Billion 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: 41 State Rd W, Macks Creek, MO 65786 County: Camden 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $21.3 mil Equity capital: $1.5 mil Deposits held in domestic offices: $19.7 mil Return on assets (ROA): 0.05% ($0.0 mil) Quarterly return on assets: -0.24% (-$0.1 mil) Return on Equity (ROE): 0.69% ($0.0 mil) Quarterly return on equity: -3.36% (-$0.1 mil) Net income: $0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.05% ($10.6 mil) Quarterly Pretax return on assets: -0.24% (-$51.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$21,261Total assets
$2,415Cash and due from depository institutions
$1,156Interest-bearing balances
$2,108Securities
$0Federal funds sold & reverse repurchase agreements
$13,465Net loans & leases
$510Loan loss allowance
$0Trading account assets
$128Bank premises and fixed assets
$2,909Other real estate owned
$0Goodwill and other intangibles
$21,261Life insurance assets
$236All other assets
$19,720Total liabilities and capital
$19,670Total liabilities
$16,362Total deposits
$19,670Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$50Subordinated debt
$1,541All other liabilities
$1,541Total equity capital
$1,541Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$2,800Surplus
$-1,309Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$285Income earned, not collected on loans
$0Earning assets
$104Long-term assets (5+ years)
$16,729Average Assets, year-to-date
$299Average Assets, quarterly
$21,659Volatile liabilities
$21,250Insider loans
$14,254FHLB advances
$21,239Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,522Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$359Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,047Total interest income
$203Total interest expense
$844Net interest income
$36Provision for loan and lease losses
$62Total noninterest income
$0Fiduciary activities
$71Service charges on deposit accounts
$0Trading account gains & fees
-$9Additional noninterest income
$860Total noninterest expense
$346Salaries and employee benefits
$82Premises and equipment expense
$432Additional noninterest expense
$10Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$10Income before extraordinary items
$0Extraordinary gains - net
$10Net income attributable to bank
$0Net charge-offs
$10Cash dividends
$146Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.21%Yield on earning assets
1.20%Cost of funding earning assets
5.01%Net interest margin
0.37%Noninterest income to earning assets
5.10%Noninterest expense to earning assets
0.05%Net operating income to assets
0.05%Return on assets (ROA)
0.05%Pretax return on assets
0.69%Return on equity (ROE)
0.69%Retained earnings to average equity (YTD only)
1.03%Net charge-offs to loans
24.66%Credit loss provision to net charge-offs
0.32%Efficiency ratio
94,923Assets per employee
2.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.65%Loss allowance to noncurrent loans
178.95%Noncurrent assets plus other real estate owned to assets
15.02%Noncurrent loans to loans
2.04%Net loans and leases to deposits
68.45%Net loans and leases to core deposits
68.45%Equity capital to assets
7.25%Core capital (leverage) ratio
7.17%Tier 1 risk-based capital ratio
10.68%Total risk-based capital ratio
Memoranda
$12Average assets
$21,659Average earning assets
$1,458Average equity
$16,862Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6276
The Bank Of Macks Creek
41 State Rd W, Macks Creek, MO 65786
May 15, 1911
Full Service Brick and Mortar
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