FDIC Certificate #: 28738 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Union Planters Bank of Southwest Missouri (#22215) Federal Reserve ID: 384371 Date Established: January 01, 1888 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 2256 FDIC's unique #: 41572 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: October 06, 1960 Last Structure Change Effective Date: January 01, 1998 Last Structure Change Process Date: January 22, 1998 Last Data Update: January 22, 1998 Data Source Date: April 05, 2012
Location
Address: 109 North Hickory St, Mount Vernon, MO 65712 County: Lawrence 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: $339.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
72Total employees (full-time equivalent)
$339,873Total assets
$2,664Cash and due from depository institutions
$862Interest-bearing balances
$17,506Securities
$0Federal funds sold & reverse repurchase agreements
$305,713Net loans & leases
$3,402Loan loss allowance
$0Trading account assets
$5,525Bank premises and fixed assets
$149Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$8,316All other assets
$339,873Total liabilities and capital
$311,480Total liabilities
$202,011Total deposits
$202,011Interest-bearing deposits
$202,011Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$109,000Other borrowed funds
$0Subordinated debt
$469All other liabilities
$28,393Total equity capital
$28,393Total bank equity capital
$28,393Perpetual preferred stock
$0Common stock
$20Surplus
$15,712Undivided profits
Memoranda
$12,661Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$286Earning assets
$0Long-term assets (5+ years)
$1,980Average Assets, year-to-date
$324,081Average Assets, quarterly
$0Volatile liabilities
$320,358Insider loans
$340,515FHLB advances
$136,099Loans and leases held for sale
$196Unused loan commitments
$109,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$16,514Total unused commitments
$0Restructured Loans and leases
$202,990Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$25,671Total interest income
$15,233Total interest expense
$10,438Net interest income
$1,675Provision for loan and lease losses
$1,076Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,076Additional noninterest income
$6,824Total noninterest expense
$4,064Salaries and employee benefits
$1,798Premises and equipment expense
$962Additional noninterest expense
$3,015Pre-tax net operating income
$119Securities gains (losses)
$1,445Applicable income taxes
$1,689Income before extraordinary items
$0Extraordinary gains - net
$1,689Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$97Sale, conversion, retirement of capital stock, net
$2,794Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.33%Yield on earning assets
4.94%Cost of funding earning assets
3.39%Net interest margin
0.35%Noninterest income to earning assets
2.21%Noninterest expense to earning assets
0.50%Net operating income to assets
0.53%Return on assets (ROA)
0.98%Pretax return on assets
6.38%Return on equity (ROE)
-4.17%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
1726.80%Credit loss provision to net charge-offs
48.35%Efficiency ratio
59,267Assets per employee
4.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
165.42%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
1189.51%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.09%Net loans and leases to deposits
151.33%Net loans and leases to core deposits
174.78%Equity capital to assets
8.35%Core capital (leverage) ratio
8.34%Tier 1 risk-based capital ratio
13.95%Total risk-based capital ratio
Memoranda
$15Average assets
$320,358Average earning assets
$26,483Average equity
$308,106Average loans
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