FDIC Certificate #: 33102 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:UNICO Bank (#10608) Federal Reserve ID: 674577 Date Established: June 22, 1990 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 8858 FDIC's unique #: 46336 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: June 22, 1990 Last Structure Change Effective Date: January 15, 2000 Last Structure Change Process Date: March 29, 2000 Last Data Update: March 29, 2000 Data Source Date: April 05, 2012
Location
Address: 1115 Independence Avenue, Kennett, MO 63857 County: Dunklin Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: St. Louis Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Kennett, MO (#28380) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $103.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
45Total employees (full-time equivalent)
$103,942Total assets
$2,192Cash and due from depository institutions
$604Interest-bearing balances
$24,090Securities
$0Federal funds sold & reverse repurchase agreements
$73,202Net loans & leases
$552Loan loss allowance
$0Trading account assets
$2,459Bank premises and fixed assets
$17Other real estate owned
$32Goodwill and other intangibles
$0Life insurance assets
$1,950All other assets
$103,942Total liabilities and capital
$99,088Total liabilities
$90,959Total deposits
$85,016Interest-bearing deposits
$90,959Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$7,525Other borrowed funds
$0Subordinated debt
$604All other liabilities
$4,854Total equity capital
$4,854Total bank equity capital
$4,854Perpetual preferred stock
$0Common stock
$2Surplus
$4,457Undivided profits
Memoranda
$395Noncurrent loans and leases
$4,204Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,024Earning assets
$0Long-term assets (5+ years)
$666Average Assets, year-to-date
$97,896Average Assets, quarterly
$0Volatile liabilities
$96,649Insider loans
$105,296FHLB advances
$32,260Loans and leases held for sale
$1,472Unused loan commitments
$7,525Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,204Total unused commitments
$0Restructured Loans and leases
$375Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$7,456Total interest income
$4,723Total interest expense
$2,733Net interest income
$536Provision for loan and lease losses
$731Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$731Additional noninterest income
$2,498Total noninterest expense
$1,187Salaries and employee benefits
$395Premises and equipment expense
$916Additional noninterest expense
$430Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$430Income before extraordinary items
$0Extraordinary gains - net
$430Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$262Sale, conversion, retirement of capital stock, net
$333Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.15%Yield on earning assets
5.16%Cost of funding earning assets
2.99%Net interest margin
0.80%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
0.44%Net operating income to assets
0.44%Return on assets (ROA)
0.44%Pretax return on assets
9.68%Return on equity (ROE)
2.18%Retained earnings to average equity (YTD only)
0.39%Net charge-offs to loans
204.58%Credit loss provision to net charge-offs
3.69%Efficiency ratio
71,738Assets per employee
2.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
77.44%Loss allowance to loans
0.75%Loss allowance to noncurrent loans
53.91%Noncurrent assets plus other real estate owned to assets
1.00%Noncurrent loans to loans
1.39%Net loans and leases to deposits
80.48%Net loans and leases to core deposits
110.54%Equity capital to assets
4.67%Core capital (leverage) ratio
6.49%Tier 1 risk-based capital ratio
12.20%Total risk-based capital ratio
Memoranda
$13Average assets
$96,649Average earning assets
$4,444Average equity
$91,502Average loans
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