The Pleasant Hope Bank in Pleasant Hope, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 13, 1995

The Pleasant Hope Bank in Pleasant Hope, Missouri (MO)
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The Pleasant Hope Bank - Overview

General
FDIC Certificate #: 16872
Status: Inactive
Closing history: Corrections
Acquiring institution: Empire Bank (#17633)
Federal Reserve ID: 336053
Date Established: August 21, 1905
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 10967
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: Febuary 06, 1950
Last Structure Change Effective Date: November 13, 1995
Last Structure Change Process Date: December 07, 1995
Last Data Update: Febuary 09, 1996
Data Source Date: April 05, 2012
Location
Address: Main Street And Highway H, Pleasant Hope, MO 65725
County: Polk
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
Core Based Statistical Area (CBSA): Springfield, MO (#44180)
CBSA Metro Statistical Area: Springfield, MO (#44180)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $65.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$32Total assets
$59,342Cash and due from depository institutions
$2,696Interest-bearing balances
$445Securities
$15,604Federal funds sold & reverse repurchase agreements
$1,700Net loans & leases
$37,323Loan loss allowance
$399Trading account assets
$0Bank premises and fixed assets
$1,020Other real estate owned
$0Goodwill and other intangibles
$999Life insurance assets
$0All other assets
$0Total liabilities and capital
$59,342Total liabilities
$54,164Total deposits
$53,883Interest-bearing deposits
$47,410Deposits held in domestic offices
53883.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$281Total equity capital
$281Total bank equity capital
$5,178Perpetual preferred stock
$0Common stock
$100Surplus
$250Undivided profits
Memoranda
$4,828Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$371Income earned, not collected on loans
$322Earning assets
$55,072Long-term assets (5+ years)
$4,717Average Assets, year-to-date
$57,386Average Assets, quarterly
$59,145Volatile liabilities
$6,149Insider loans
$15FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,823Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,226Total risk weighted assets
$37,198Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$4,415Total interest expense
$1,634Net interest income
$2,781Provision for loan and lease losses
$30Total noninterest income
$256Fiduciary activities
$0Service charges on deposit accounts
$192Trading account gains & fees
$0Additional noninterest income
$64Total noninterest expense
$1,800Salaries and employee benefits
$1,155Premises and equipment expense
$238Additional noninterest expense
$407Pre-tax net operating income
$1,207Securities gains (losses)
-$8Applicable income taxes
$366Income before extraordinary items
$833Extraordinary gains - net
$0Net income attributable to bank
$833Net charge-offs
-$37Cash dividends
$402Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.37%Cost of funding earning assets
3.10%Net interest margin
5.27%Noninterest income to earning assets
0.49%Noninterest expense to earning assets
3.41%Net operating income to assets
1.46%Return on assets (ROA)
1.45%Pretax return on assets
2.09%Return on equity (ROE)
16.73%Retained earnings to average equity (YTD only)
8.66%Net charge-offs to loans
-0.10%Credit loss provision to net charge-offs
-81.08%Efficiency ratio
59,269Assets per employee
1.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
48.26%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
107.55%Noncurrent assets plus other real estate owned to assets
0.63%Noncurrent loans to loans
0.98%Net loans and leases to deposits
69.27%Net loans and leases to core deposits
78.19%Equity capital to assets
8.73%Core capital (leverage) ratio
8.80%Tier 1 risk-based capital ratio
14.05%Total risk-based capital ratio
Memoranda
$15Average assets
$57,386Average earning assets
$4,979Average equity
$52,750Average loans

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