The Farmers and Traders Bank in California, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 12, 1999

The Farmers and Traders Bank in California, Missouri (MO)
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The Farmers and Traders Bank - Overview

General
FDIC Certificate #: 8883
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Central Trust Bank (#12633)
Federal Reserve ID: 1017340
Date Established: January 01, 1885
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 13946
FDIC's unique #: 5674
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: January 01, 1934
Last Structure Change Effective Date: April 12, 1999
Last Structure Change Process Date: April 22, 1999
Last Data Update: April 22, 1999
Data Source Date: April 05, 2012
Location
Address: 329 South Oak, California, MO 65018
County: Moniteau
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): Jefferson City, MO (#27620)
CBSA Metro Statistical Area: Jefferson City, MO (#27620)
Financial Summary
Total assets: $59.0 mil

1992 - 1999 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, 1998)

Dollar figures in thousands
21Total employees (full-time equivalent)
$62,754Total assets
$2,188Cash and due from depository institutions
$4Interest-bearing balances
$16,059Securities
$6,243Federal funds sold & reverse repurchase agreements
$33,726Net loans & leases
$611Loan loss allowance
$0Trading account assets
$764Bank premises and fixed assets
$600Other real estate owned
$2,543Goodwill and other intangibles
$0Life insurance assets
$631All other assets
$62,754Total liabilities and capital
$55,948Total liabilities
$53,398Total deposits
$48,571Interest-bearing deposits
$53,398Deposits held in domestic offices
0.00%% insured (estimated)
$193Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,000Other borrowed funds
$0Subordinated debt
$357All other liabilities
$6,806Total equity capital
$6,806Total bank equity capital
$6,806Perpetual preferred stock
$0Common stock
$300Surplus
$6,455Undivided profits
Memoranda
$51Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$249Earning assets
$0Long-term assets (5+ years)
$297Average Assets, year-to-date
$56,032Average Assets, quarterly
$10,346Volatile liabilities
$63,404Insider loans
$61,878FHLB advances
$6,591Loans and leases held for sale
$317Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$366Total risk weighted assets
$5,932Total unused commitments
$0Restructured Loans and leases
$34,012Derivatives

Income and Expense (December 31, 1998)

Dollar figures in thousands
$4,223Total interest income
$2,554Total interest expense
$1,669Net interest income
$327Provision for loan and lease losses
$252Total noninterest income
$0Fiduciary activities
$92Service charges on deposit accounts
$0Trading account gains & fees
$160Additional noninterest income
$1,611Total noninterest expense
$711Salaries and employee benefits
$196Premises and equipment expense
$704Additional noninterest expense
-$17Pre-tax net operating income
$0Securities gains (losses)
$8Applicable income taxes
-$25Income before extraordinary items
$0Extraordinary gains - net
-$25Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$450Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1998)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.49%Yield on earning assets
4.53%Cost of funding earning assets
2.96%Net interest margin
0.45%Noninterest income to earning assets
2.86%Noninterest expense to earning assets
-0.04%Net operating income to assets
-0.04%Return on assets (ROA)
-0.03%Pretax return on assets
-0.37%Return on equity (ROE)
-0.37%Retained earnings to average equity (YTD only)
1.23%Net charge-offs to loans
72.67%Credit loss provision to net charge-offs
0.69%Efficiency ratio
73,920Assets per employee
2.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.78%Loss allowance to noncurrent loans
245.38%Noncurrent assets plus other real estate owned to assets
0.45%Noncurrent loans to loans
0.73%Net loans and leases to deposits
63.16%Net loans and leases to core deposits
71.76%Equity capital to assets
10.85%Core capital (leverage) ratio
7.09%Tier 1 risk-based capital ratio
12.16%Total risk-based capital ratio
Memoranda
$13Average assets
$63,404Average earning assets
$6,793Average equity
$56,402Average loans

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