Tri-County State Bank of Eldorado Springs - Overview
General
FDIC Certificate #: 14487 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Mid-Missouri Bank (#15584) Federal Reserve ID: 702658 Date Established: June 11, 1934 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 9284 FDIC's unique #: 9052 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: June 19, 1934 Last Structure Change Effective Date: August 13, 2001 Last Structure Change Process Date: August 21, 2001 Last Data Update: August 21, 2001 Data Source Date: April 05, 2012
Location
Address: 118 West Highway 54, El Dorado Springs, MO 64744 County: Cedar 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
Financial Summary
Total assets: $95.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
32Total employees (full-time equivalent)
$97,524Total assets
$1,673Cash and due from depository institutions
$32Interest-bearing balances
$27,741Securities
$13,052Federal funds sold & reverse repurchase agreements
$49,807Net loans & leases
$1,184Loan loss allowance
$0Trading account assets
$2,218Bank premises and fixed assets
$0Other real estate owned
$1,127Goodwill and other intangibles
$0Life insurance assets
$1,906All other assets
$97,524Total liabilities and capital
$88,377Total liabilities
$87,346Total deposits
$78,668Interest-bearing deposits
$87,346Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$150Other borrowed funds
$0Subordinated debt
$881All other liabilities
$9,147Total equity capital
$9,147Total bank equity capital
$9,147Perpetual preferred stock
$0Common stock
$200Surplus
$7,301Undivided profits
Memoranda
$1,646Noncurrent loans and leases
$3,129Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$830Earning assets
$0Long-term assets (5+ years)
$589Average Assets, year-to-date
$90,632Average Assets, quarterly
$5,041Volatile liabilities
$92,067Insider loans
$96,439FHLB advances
$8,370Loans and leases held for sale
$94Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,129Total unused commitments
$0Restructured Loans and leases
$690Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$6,882Total interest income
$3,562Total interest expense
$3,320Net interest income
$1,679Provision for loan and lease losses
$911Total noninterest income
$0Fiduciary activities
$438Service charges on deposit accounts
$0Trading account gains & fees
$473Additional noninterest income
$2,576Total noninterest expense
$1,259Salaries and employee benefits
$416Premises and equipment expense
$901Additional noninterest expense
-$24Pre-tax net operating income
$0Securities gains (losses)
-$174Applicable income taxes
$150Income before extraordinary items
$0Extraordinary gains - net
$150Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,115Sale, conversion, retirement of capital stock, net
$800Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.08%Yield on earning assets
4.18%Cost of funding earning assets
3.90%Net interest margin
1.07%Noninterest income to earning assets
3.02%Noninterest expense to earning assets
0.16%Net operating income to assets
0.16%Return on assets (ROA)
-0.03%Pretax return on assets
1.87%Return on equity (ROE)
-8.11%Retained earnings to average equity (YTD only)
2.19%Net charge-offs to loans
150.99%Credit loss provision to net charge-offs
1.48%Efficiency ratio
59,749Assets per employee
3.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
533.33%Loss allowance to loans
2.32%Loss allowance to noncurrent loans
142.65%Noncurrent assets plus other real estate owned to assets
0.85%Noncurrent loans to loans
1.63%Net loans and leases to deposits
57.02%Net loans and leases to core deposits
63.07%Equity capital to assets
9.38%Core capital (leverage) ratio
8.24%Tier 1 risk-based capital ratio
14.41%Total risk-based capital ratio
Memoranda
$16Average assets
$92,067Average earning assets
$8,014Average equity
$85,158Average loans
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