West Plains Savings and Loan Association - Overview
General
FDIC Certificate #: 31329 Status: Active Federal Reserve ID: 966973 Date Established: January 01, 1919 WWW:http://www.westplainssavingsandloan.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 6753 FDIC's unique #: 44163 Numeric code: 36 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: January 28, 1963 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 417 West Broadway Street, West Plains, MO 65775 County: Howell 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 Core Based Statistical Area (CBSA): West Plains, MO (#48460) CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $88.8 mil Equity capital: $13.0 mil Deposits held in domestic offices: $71.9 mil Return on assets (ROA): 0.83% ($0.7 mil) Quarterly return on assets: 0.65% ($0.6 mil) Return on Equity (ROE): 5.80% ($0.8 mil) Quarterly return on equity: 4.55% ($0.6 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.23% ($1,092.6 mil) Quarterly Pretax return on assets: 1.02% ($906.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$88,831Total assets
$3,733Cash and due from depository institutions
$1,171Interest-bearing balances
$23,923Securities
$0Federal funds sold & reverse repurchase agreements
$58,092Net loans & leases
$589Loan loss allowance
$0Trading account assets
$2,076Bank premises and fixed assets
$203Other real estate owned
$5Goodwill and other intangibles
$88,831Life insurance assets
$799All other assets
$75,836Total liabilities and capital
$71,934Total liabilities
$71,787Total deposits
$71,934Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,816Trading liabilities
$0Other borrowed funds
$86Subordinated debt
$12,995All other liabilities
$12,995Total equity capital
$12,995Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$12,995Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,270Income earned, not collected on loans
$0Earning assets
$323Long-term assets (5+ years)
$83,186Average Assets, year-to-date
$0Average Assets, quarterly
$87,888Volatile liabilities
$89,814Insider loans
$39,297FHLB advances
$88,826Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,992Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$645Restructured Loans and leases
$165Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,968Total interest income
$1,565Total interest expense
$2,403Net interest income
$124Provision for loan and lease losses
$85Total noninterest income
$0Fiduciary activities
$46Service charges on deposit accounts
$0Trading account gains & fees
$39Additional noninterest income
$1,285Total noninterest expense
$678Salaries and employee benefits
$326Premises and equipment expense
$281Additional noninterest expense
$1,079Pre-tax net operating income
$0Securities gains (losses)
$346Applicable income taxes
$733Income before extraordinary items
$0Extraordinary gains - net
$733Net income attributable to bank
$0Net charge-offs
$733Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.79%Yield on earning assets
1.89%Cost of funding earning assets
2.90%Net interest margin
0.10%Noninterest income to earning assets
1.55%Noninterest expense to earning assets
0.83%Net operating income to assets
0.83%Return on assets (ROA)
1.23%Pretax return on assets
5.80%Return on equity (ROE)
5.80%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
51,487Assets per employee
7.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.00%Loss allowance to noncurrent loans
46.38%Noncurrent assets plus other real estate owned to assets
1.66%Noncurrent loans to loans
2.16%Net loans and leases to deposits
80.76%Net loans and leases to core deposits
88.46%Equity capital to assets
14.63%Core capital (leverage) ratio
14.63%Tier 1 risk-based capital ratio
33.06%Total risk-based capital ratio
Memoranda
$34Average assets
$87,888Average earning assets
$12,640Average equity
$82,774Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
44163
West Plains Savings And Loan Associa
417 West Broadway Street, West Plains, MO 65775
January 01, 1919
Full Service Brick and Mortar
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