FDIC Certificate #: 1948 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Third National Bank of Sedalia (#4569) Federal Reserve ID: 280950 Date Established: June 25, 1913 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 1310 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 01, 2011 Last Structure Change Process Date: October 05, 2011 Last Data Update: October 05, 2011 Data Source Date: April 05, 2012
Location
Address: 101 South Ohio Street, Sedalia, MO 65301 County: Pettis 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): Sedalia, MO (#42740) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $92.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
36Total employees (full-time equivalent)
$95,502Total assets
$8,791Cash and due from depository institutions
$6,951Interest-bearing balances
$40,805Securities
$1,400Federal funds sold & reverse repurchase agreements
$42,520Net loans & leases
$735Loan loss allowance
$0Trading account assets
$682Bank premises and fixed assets
$35Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,269All other assets
$95,502Total liabilities and capital
$84,270Total liabilities
$84,121Total deposits
$70,676Interest-bearing deposits
$84,121Deposits held in domestic offices
94.93%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$149All other liabilities
$11,232Total equity capital
$11,232Total bank equity capital
$11,232Perpetual preferred stock
$0Common stock
$300Surplus
$660Undivided profits
Memoranda
$10,272Noncurrent loans and leases
$4,730Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$40Earning assets
$0Long-term assets (5+ years)
$606Average Assets, year-to-date
$91,676Average Assets, quarterly
$6,335Volatile liabilities
$100,585Insider loans
$96,926FHLB advances
$5,810Loans and leases held for sale
$412Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,730Total unused commitments
$0Restructured Loans and leases
$653Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$3,665Total interest income
$885Total interest expense
$2,780Net interest income
$5Provision for loan and lease losses
$238Total noninterest income
$0Fiduciary activities
$91Service charges on deposit accounts
$0Trading account gains & fees
$147Additional noninterest income
$2,829Total noninterest expense
$1,894Salaries and employee benefits
$182Premises and equipment expense
$753Additional noninterest expense
$184Pre-tax net operating income
$1Securities gains (losses)
$19Applicable income taxes
$166Income before extraordinary items
$0Extraordinary gains - net
$166Net income attributable to bank
$0Net charge-offs
$166Cash dividends
-$11Sale, conversion, retirement of capital stock, net
$75Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.85%Yield on earning assets
0.93%Cost of funding earning assets
2.92%Net interest margin
0.25%Noninterest income to earning assets
2.97%Noninterest expense to earning assets
0.16%Net operating income to assets
0.17%Return on assets (ROA)
0.18%Pretax return on assets
1.47%Return on equity (ROE)
0.81%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
-45.45%Credit loss provision to net charge-offs
0.00%Efficiency ratio
93,738Assets per employee
2.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
45.18%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
1837.50%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.09%Net loans and leases to deposits
50.55%Net loans and leases to core deposits
54.30%Equity capital to assets
11.76%Core capital (leverage) ratio
11.49%Tier 1 risk-based capital ratio
21.72%Total risk-based capital ratio
Memoranda
$23Average assets
$100,585Average earning assets
$11,287Average equity
$95,279Average loans
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