Adrian Bank in Adrian, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Adrian Bank in Adrian, Missouri (MO)
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Adrian Bank - Overview

  • General
  • FDIC Certificate #: 8251
    Status: Active
    Federal Reserve ID: 94858
    Bank Holding Company (Regulatory Top Holder): Adrian Bancshares, Inc. (RSSDID: 1399505, Location: Adrian, MO)
    Date Established: October 18, 1932
    WWW: http://www.adrianbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 5261
    Numeric code: 13
    Regulator: FED
    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: 130 East Main Street, Adrian, MO 64720
    County: Bates
    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
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $118.1 mil
    Equity capital: $10.4 mil
    Deposits held in domestic offices: $105.4 mil
    Return on assets (ROA): 1.42% ($1.7 mil)
    Quarterly return on assets: -0.30% (-$0.4 mil)
    Return on Equity (ROE): 16.59% ($1.7 mil)
    Quarterly return on equity: -3.39% (-$0.3 mil)
    Net income: $1.7 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 1.42% ($1,676.4 mil)
    Quarterly Pretax return on assets: -0.30% (-$354.2 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
  • 29Total employees (full-time equivalent)
  • $118,059Total assets
  • $3,479Cash and due from depository institutions
  • $96Interest-bearing balances
  • $26,089Securities
  • $1,765Federal funds sold & reverse repurchase agreements
  • $84,104Net loans & leases
  • $1,054Loan loss allowance
  • $0Trading account assets
  • $608Bank premises and fixed assets
  • $554Other real estate owned
  • $0Goodwill and other intangibles
  • $118,059Life insurance assets
  • $1,460All other assets
  • $107,687Total liabilities and capital
  • $105,405Total liabilities
  • $90,042Total deposits
  • $105,405Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $282Subordinated debt
  • $10,372All other liabilities
  • $10,372Total equity capital
  • $10,372Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $600Surplus
  • $9,672Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,747Income earned, not collected on loans
  • $0Earning assets
  • $825Long-term assets (5+ years)
  • $112,054Average Assets, year-to-date
  • $35,458Average Assets, quarterly
  • $117,728Volatile liabilities
  • $118,706Insider loans
  • $84,515FHLB advances
  • $119,808Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,894Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,235Restructured Loans and leases
  • $547Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,026Total interest income
  • $1,232Total interest expense
  • $4,794Net interest income
  • $773Provision for loan and lease losses
  • $728Total noninterest income
  • $0Fiduciary activities
  • $596Service charges on deposit accounts
  • $0Trading account gains & fees
  • $132Additional noninterest income
  • $3,081Total noninterest expense
  • $1,805Salaries and employee benefits
  • $254Premises and equipment expense
  • $1,022Additional noninterest expense
  • $1,668Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,668Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,668Net income attributable to bank
  • $0Net charge-offs
  • $1,668Cash dividends
  • $1,128Sale, conversion, retirement of capital stock, net
  • $865Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.38%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 4.28%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.75%Noninterest expense to earning assets
  • 1.42%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 16.59%Return on equity (ROE)
  • 7.99%Retained earnings to average equity (YTD only)
  • 1.31%Net charge-offs to loans
  • 68.53%Credit loss provision to net charge-offs
  • 2.16%Efficiency ratio
  • 55,795Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.86%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 38.37%Noncurrent assets plus other real estate owned to assets
  • 2.80%Noncurrent loans to loans
  • 3.23%Net loans and leases to deposits
  • 79.79%Net loans and leases to core deposits
  • 84.44%Equity capital to assets
  • 8.79%Core capital (leverage) ratio
  • 8.26%Tier 1 risk-based capital ratio
  • 11.71%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $117,728Average earning assets
  • $10,056Average equity
  • $112,095Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05261Adrian Bank130 East Main Street, Adrian, MO 64720October 18, 1932Full Service Brick and Mortar
    1218191Butler Branch1101 W Ft Scott, Butler, MO 64730May 07, 1997Full Service Brick and Mortar
    2433495302 S.W. Outer Road Branch302 S. W. Outer Road, Archie, MO 64725November 22, 2004Full Service Brick and Mortar

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