BC National Banks in Butler, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 30, 2010

  • BC National Banks in Butler, Missouri (MO)
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BC National Banks - Overview

  • General
  • FDIC Certificate #: 17792
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Community First Bank (#10595)
    Federal Reserve ID: 222053
    Date Established: October 15, 1902
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 12873
    FDIC's unique #: 11741
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: July 24, 1957
    Last Structure Change Effective Date: April 30, 2010
    Last Structure Change Process Date: May 03, 2010
    Last Data Update: May 03, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1109 W. Ft. Scott Street, Butler, MO 64730
    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
  • Absorption - Assisted
  • Financial Summary
  • Total assets: $52.2 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, 2009)

  • Dollar figures in thousands
  • 34Total employees (full-time equivalent)
  • $67,162Total assets
  • $14,466Cash and due from depository institutions
  • $8,883Interest-bearing balances
  • $3,761Securities
  • $1,457Federal funds sold & reverse repurchase agreements
  • $37,298Net loans & leases
  • $2,053Loan loss allowance
  • $0Trading account assets
  • $2,354Bank premises and fixed assets
  • $3,698Other real estate owned
  • $0Goodwill and other intangibles
  • $2,566Life insurance assets
  • $4,128All other assets
  • $67,162Total liabilities and capital
  • $65,720Total liabilities
  • $54,926Total deposits
  • $44,690Interest-bearing deposits
  • $54,926Deposits held in domestic offices
  • 95.02%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $10,500Other borrowed funds
  • $0Subordinated debt
  • $294All other liabilities
  • $1,442Total equity capital
  • $1,442Total bank equity capital
  • $1,442Perpetual preferred stock
  • $0Common stock
  • $700Surplus
  • $7,125Undivided profits
  • Memoranda
  • $-6,383Noncurrent loans and leases
  • $2,791Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,096Earning assets
  • $0Long-term assets (5+ years)
  • $246Average Assets, year-to-date
  • $51,399Average Assets, quarterly
  • $2,053Volatile liabilities
  • $83,000Insider loans
  • $73,578FHLB advances
  • $17,597Loans and leases held for sale
  • $168Unused loan commitments
  • $10,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,791Total unused commitments
  • $0Restructured Loans and leases
  • $536Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $3,540Total interest income
  • $2,223Total interest expense
  • $1,317Net interest income
  • $2,660Provision for loan and lease losses
  • $398Total noninterest income
  • $0Fiduciary activities
  • $305Service charges on deposit accounts
  • $0Trading account gains & fees
  • $93Additional noninterest income
  • $6,946Total noninterest expense
  • $1,994Salaries and employee benefits
  • $956Premises and equipment expense
  • $3,996Additional noninterest expense
  • -$7,891Pre-tax net operating income
  • $65Securities gains (losses)
  • -$198Applicable income taxes
  • -$7,628Income before extraordinary items
  • $0Extraordinary gains - net
  • -$7,628Net income attributable to bank
  • $0Net charge-offs
  • -$7,628Cash dividends
  • $1,691Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.42%Yield on earning assets
  • 3.40%Cost of funding earning assets
  • 2.02%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 10.63%Noninterest expense to earning assets
  • -9.27%Net operating income to assets
  • -9.19%Return on assets (ROA)
  • -9.43%Pretax return on assets
  • -140.45%Return on equity (ROE)
  • -140.45%Retained earnings to average equity (YTD only)
  • 3.25%Net charge-offs to loans
  • 157.30%Credit loss provision to net charge-offs
  • -3.09%Efficiency ratio
  • 279,242Assets per employee
  • 1.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.22%Loss allowance to noncurrent loans
  • 66.31%Noncurrent assets plus other real estate owned to assets
  • 10.12%Noncurrent loans to loans
  • 7.87%Net loans and leases to deposits
  • 67.91%Net loans and leases to core deposits
  • 86.08%Equity capital to assets
  • 2.15%Core capital (leverage) ratio
  • 1.84%Tier 1 risk-based capital ratio
  • 3.48%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $83,000Average earning assets
  • $5,431Average equity
  • $65,327Average loans

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