FDIC Certificate #: 4556 Status: Active Federal Reserve ID: 1007051 Bank Holding Company (Regulatory Top Holder): Paris Bancshares, Inc. (RSSDID: 1099065, Location: Paris, MO) Date Established: October 01, 1865 WWW:http://www.parisnational.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 11792 FDIC's unique #: 3017 Numeric code: 3 Regulator: OCC 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: No 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: 118 North Main Street, Paris, MO 65275 County: Monroe 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $72.1 mil Equity capital: $9.3 mil Deposits held in domestic offices: $54.8 mil Return on assets (ROA): 0.49% ($0.4 mil) Quarterly return on assets: 0.15% ($0.1 mil) Return on Equity (ROE): 4.00% ($0.4 mil) Quarterly return on equity: 1.19% ($0.1 mil) Net income: $0.4 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.70% ($504.6 mil) Quarterly Pretax return on assets: 0.07% ($50.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$72,091Total assets
$3,002Cash and due from depository institutions
$1,951Interest-bearing balances
$28,903Securities
$0Federal funds sold & reverse repurchase agreements
$37,094Net loans & leases
$586Loan loss allowance
$0Trading account assets
$485Bank premises and fixed assets
$93Other real estate owned
$0Goodwill and other intangibles
$72,091Life insurance assets
$2,514All other assets
$62,779Total liabilities and capital
$54,837Total liabilities
$48,191Total deposits
$54,837Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,294Trading liabilities
$0Other borrowed funds
$648Subordinated debt
$9,312All other liabilities
$9,312Total equity capital
$9,312Total bank equity capital
$0Perpetual preferred stock
$70Common stock
$1,000Surplus
$8,242Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,345Income earned, not collected on loans
$0Earning assets
$800Long-term assets (5+ years)
$67,948Average Assets, year-to-date
$25,826Average Assets, quarterly
$73,997Volatile liabilities
$72,332Insider loans
$43,866FHLB advances
$72,082Loans and leases held for sale
$377Unused loan commitments
$125Tier 1 (core) risk-based capital
$8,687Tier 2 risk-based capital
$0Total risk weighted assets
$252Total unused commitments
$4,693Restructured Loans and leases
$1,885Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,328Total interest income
$1,015Total interest expense
$2,313Net interest income
$330Provision for loan and lease losses
$213Total noninterest income
$0Fiduciary activities
$123Service charges on deposit accounts
$0Trading account gains & fees
$90Additional noninterest income
$1,704Total noninterest expense
$850Salaries and employee benefits
$123Premises and equipment expense
$731Additional noninterest expense
$492Pre-tax net operating income
$29Securities gains (losses)
$156Applicable income taxes
$365Income before extraordinary items
$0Extraordinary gains - net
$365Net income attributable to bank
$0Net charge-offs
$365Cash dividends
$691Sale, conversion, retirement of capital stock, net
$294Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.78%Yield on earning assets
1.46%Cost of funding earning assets
3.32%Net interest margin
0.31%Noninterest income to earning assets
2.45%Noninterest expense to earning assets
0.47%Net operating income to assets
0.49%Return on assets (ROA)
0.70%Pretax return on assets
4.00%Return on equity (ROE)
0.78%Retained earnings to average equity (YTD only)
1.80%Net charge-offs to loans
47.76%Credit loss provision to net charge-offs
1.19%Efficiency ratio
67,458Assets per employee
4.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
80.55%Loss allowance to loans
1.56%Loss allowance to noncurrent loans
24.99%Noncurrent assets plus other real estate owned to assets
3.38%Noncurrent loans to loans
6.22%Net loans and leases to deposits
67.64%Net loans and leases to core deposits
70.18%Equity capital to assets
12.92%Core capital (leverage) ratio
12.05%Tier 1 risk-based capital ratio
19.80%Total risk-based capital ratio
Memoranda
$21Average assets
$73,997Average earning assets
$9,129Average equity
$69,641Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3017
The Paris National Bank
118 North Main Street, Paris, MO 65275
October 01, 1865
Full Service Brick and Mortar
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