FDIC Certificate #: 4606 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Equity Bank, A National Association (#25858) Federal Reserve ID: 359959 Date Established: September 01, 1881 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) OTS Docket #: 9905 FDIC's unique #: 3051 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 12, 2006 Last Structure Change Process Date: November 17, 2006 Last Data Update: November 17, 2006 Data Source Date: April 05, 2012
Location
Address: 501 Cross Street, Sarcoxie, MO 64862 County: Jasper 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): Joplin, MO (#3710) Core Based Statistical Area (CBSA): Joplin, MO (#27900) CBSA Metro Statistical Area: Joplin, MO (#27900)
Financial Summary
Total assets: $24.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
10Total employees (full-time equivalent)
$25,421Total assets
$2,630Cash and due from depository institutions
$1,179Interest-bearing balances
$1,871Securities
$1,418Federal funds sold & reverse repurchase agreements
$18,384Net loans & leases
$289Loan loss allowance
$0Trading account assets
$142Bank premises and fixed assets
$116Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$860All other assets
$25,421Total liabilities and capital
$22,621Total liabilities
$21,480Total deposits
$17,823Interest-bearing deposits
$21,480Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,000Other borrowed funds
$0Subordinated debt
$141All other liabilities
$2,800Total equity capital
$2,800Total bank equity capital
$2,800Perpetual preferred stock
$0Common stock
$127Surplus
$453Undivided profits
Memoranda
$2,220Noncurrent loans and leases
$414Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$330Earning assets
$0Long-term assets (5+ years)
$130Average Assets, year-to-date
$22,852Average Assets, quarterly
$1,122Volatile liabilities
$25,053Insider loans
$25,114FHLB advances
$3,325Loans and leases held for sale
$51Unused loan commitments
$1,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$414Total unused commitments
$0Restructured Loans and leases
$233Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$1,545Total interest income
$402Total interest expense
$1,143Net interest income
$12Provision for loan and lease losses
$174Total noninterest income
$0Fiduciary activities
$128Service charges on deposit accounts
$0Trading account gains & fees
$46Additional noninterest income
$728Total noninterest expense
$445Salaries and employee benefits
$68Premises and equipment expense
$215Additional noninterest expense
$577Pre-tax net operating income
-$2Securities gains (losses)
$0Applicable income taxes
$575Income before extraordinary items
$0Extraordinary gains - net
$575Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$33Sale, conversion, retirement of capital stock, net
$525Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.83%Yield on earning assets
1.78%Cost of funding earning assets
5.05%Net interest margin
0.77%Noninterest income to earning assets
3.22%Noninterest expense to earning assets
2.30%Net operating income to assets
2.30%Return on assets (ROA)
2.30%Pretax return on assets
20.85%Return on equity (ROE)
1.81%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
36.36%Credit loss provision to net charge-offs
17.85%Efficiency ratio
55,277Assets per employee
2.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
91.30%Loss allowance to loans
1.55%Loss allowance to noncurrent loans
87.58%Noncurrent assets plus other real estate owned to assets
1.75%Noncurrent loans to loans
1.77%Net loans and leases to deposits
85.59%Net loans and leases to core deposits
98.55%Equity capital to assets
11.01%Core capital (leverage) ratio
11.44%Tier 1 risk-based capital ratio
15.37%Total risk-based capital ratio
Memoranda
$17Average assets
$25,053Average earning assets
$2,758Average equity
$22,636Average loans
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