FDIC Certificate #: 17173 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Pinnacle Bank (#10634) Federal Reserve ID: 312552 Date Established: September 15, 1951 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 11208 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: January 23, 1953 Last Structure Change Effective Date: October 12, 1999 Last Structure Change Process Date: November 12, 1999 Last Data Update: November 12, 1999 Data Source Date: April 05, 2012
Location
Address: Main Street, Waverly, MO 64096 County: Lafayette Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760) Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312) Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140) CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
Financial Summary
Total assets: $22.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
14Total employees (full-time equivalent)
$20,835Total assets
$1,296Cash and due from depository institutions
$8Interest-bearing balances
$947Securities
$2,493Federal funds sold & reverse repurchase agreements
$14,566Net loans & leases
$133Loan loss allowance
$0Trading account assets
$654Bank premises and fixed assets
$55Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$824All other assets
$20,835Total liabilities and capital
$19,281Total liabilities
$19,089Total deposits
$14,873Interest-bearing deposits
$19,089Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$192All other liabilities
$1,554Total equity capital
$1,554Total bank equity capital
$1,554Perpetual preferred stock
$1Common stock
$100Surplus
$601Undivided profits
Memoranda
$852Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$287Average Assets, year-to-date
$18,014Average Assets, quarterly
$440Volatile liabilities
$20,346Insider loans
$20,047FHLB advances
$1,741Loans and leases held for sale
$222Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,744Total unused commitments
$0Restructured Loans and leases
$17,058Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$1,504Total interest income
$610Total interest expense
$894Net interest income
$6Provision for loan and lease losses
$353Total noninterest income
$0Fiduciary activities
$117Service charges on deposit accounts
$0Trading account gains & fees
$236Additional noninterest income
$1,011Total noninterest expense
$542Salaries and employee benefits
$180Premises and equipment expense
$289Additional noninterest expense
$230Pre-tax net operating income
$0Securities gains (losses)
$86Applicable income taxes
$144Income before extraordinary items
$0Extraordinary gains - net
$144Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$7Sale, conversion, retirement of capital stock, net
$24Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.62%Yield on earning assets
3.49%Cost of funding earning assets
5.12%Net interest margin
2.02%Noninterest income to earning assets
5.79%Noninterest expense to earning assets
0.71%Net operating income to assets
0.71%Return on assets (ROA)
1.13%Pretax return on assets
9.59%Return on equity (ROE)
7.99%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
85.71%Credit loss provision to net charge-offs
33.71%Efficiency ratio
81,075Assets per employee
1.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.67%Loss allowance to loans
0.90%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
0.00%Net loans and leases to deposits
76.31%Net loans and leases to core deposits
83.96%Equity capital to assets
7.46%Core capital (leverage) ratio
7.86%Tier 1 risk-based capital ratio
9.11%Total risk-based capital ratio
Memoranda
$10Average assets
$20,346Average earning assets
$1,501Average equity
$17,456Average loans
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 Waverly 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.
Comment about this bank, ask questions, or add new information about it: