United State Bank in Lewistown, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • United State Bank in Lewistown, Missouri (MO)
  • Show street view No street view available for this location
United State Bank routing number info

United State Bank - Overview

  • General
  • FDIC Certificate #: 12214
    Status: Active
    Federal Reserve ID: 659556
    Bank Holding Company (Regulatory Top Holder): River Valley Bancshares, Incorporated (RSSDID: 1096091, Location: Lewistown, MO)
    Date Established: September 08, 1928
    WWW: http://www.usb1.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11557
    FDIC's unique #: 7760
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    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: 102 West Main St, Lewistown, MO 63452
    County: Lewis
    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): Quincy, IL-MO (#39500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $108.6 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $93.2 mil
    Return on assets (ROA): 1.21% ($1.3 mil)
    Quarterly return on assets: 1.28% ($1.4 mil)
    Return on Equity (ROE): 13.42% ($1.3 mil)
    Quarterly return on equity: 13.94% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.27% ($1,379.0 mil)
    Quarterly Pretax return on assets: 1.37% ($1,487.6 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
  • 32Total employees (full-time equivalent)
  • $108,586Total assets
  • $6,735Cash and due from depository institutions
  • $2,850Interest-bearing balances
  • $17,783Securities
  • $1,613Federal funds sold & reverse repurchase agreements
  • $77,245Net loans & leases
  • $854Loan loss allowance
  • $0Trading account assets
  • $1,132Bank premises and fixed assets
  • $241Other real estate owned
  • $0Goodwill and other intangibles
  • $108,586Life insurance assets
  • $3,837All other assets
  • $98,760Total liabilities and capital
  • $93,220Total liabilities
  • $83,724Total deposits
  • $93,220Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 32.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $508Subordinated debt
  • $9,826All other liabilities
  • $9,826Total equity capital
  • $9,826Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,000Surplus
  • $8,326Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $1,275Long-term assets (5+ years)
  • $99,491Average Assets, year-to-date
  • $18,971Average Assets, quarterly
  • $105,739Volatile liabilities
  • $107,073Insider loans
  • $82,610FHLB advances
  • $106,133Loans and leases held for sale
  • $1,828Unused loan commitments
  • $1,608Tier 1 (core) risk-based capital
  • $9,442Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $220Total unused commitments
  • $5,621Restructured Loans and leases
  • $4,569Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,281Total interest income
  • $1,220Total interest expense
  • $4,061Net interest income
  • $490Provision for loan and lease losses
  • $411Total noninterest income
  • $0Fiduciary activities
  • $276Service charges on deposit accounts
  • $0Trading account gains & fees
  • $135Additional noninterest income
  • $2,686Total noninterest expense
  • $1,476Salaries and employee benefits
  • $310Premises and equipment expense
  • $900Additional noninterest expense
  • $1,296Pre-tax net operating income
  • $45Securities gains (losses)
  • $58Applicable income taxes
  • $1,283Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,283Net income attributable to bank
  • $0Net charge-offs
  • $1,283Cash dividends
  • $390Sale, conversion, retirement of capital stock, net
  • $740Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.44%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 13.42%Return on equity (ROE)
  • 5.68%Retained earnings to average equity (YTD only)
  • 0.53%Net charge-offs to loans
  • 125.64%Credit loss provision to net charge-offs
  • 4.58%Efficiency ratio
  • 60,063Assets per employee
  • 3.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.68%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 82.86%Net loans and leases to core deposits
  • 86.54%Equity capital to assets
  • 9.05%Core capital (leverage) ratio
  • 8.90%Tier 1 risk-based capital ratio
  • 11.43%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $105,739Average earning assets
  • $9,558Average equity
  • $97,091Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    07760United State Bank102 West Main St, Lewistown, MO 63452September 08, 1928Full Service Brick and Mortar
    1226688Drive-In And Branch Office Facility200 E State Hwy 6, Ewing, MO 63440August 20, 1973Full Service Brick and Mortar
    2226689Edina Branch107 North First Street, Edina, MO 63537September 09, 1991Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with United State Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents