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


  • Bank Northwest in Hamilton, Missouri (MO)
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Bank Northwest - Overview

  • General
  • FDIC Certificate #: 16601
    Status: Active
    Federal Reserve ID: 645157
    Bank Holding Company (Regulatory Top Holder): Caldwell County Bancshares, Inc. (RSSDID: 1870022, Location: Hamilton, MO)
    Date Established: August 04, 1945
    WWW: http://www.banknw.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12437
    FDIC's unique #: 10744
    Numeric code: 21
    Regulator: FDIC
    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: August 04, 1947
    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: 201 South Davis Street, Hamilton, MO 64644
    County: Caldwell
    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: $106.3 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $96.9 mil
    Return on assets (ROA): 2.14% ($2.3 mil)
    Quarterly return on assets: 2.51% ($2.7 mil)
    Return on Equity (ROE): 24.97% ($2.2 mil)
    Quarterly return on equity: 28.13% ($2.5 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 2.15% ($2,285.7 mil)
    Quarterly Pretax return on assets: 2.52% ($2,679.0 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
  • 24Total employees (full-time equivalent)
  • $106,310Total assets
  • $9,102Cash and due from depository institutions
  • $3,570Interest-bearing balances
  • $13,402Securities
  • $12,623Federal funds sold & reverse repurchase agreements
  • $67,114Net loans & leases
  • $547Loan loss allowance
  • $0Trading account assets
  • $2,163Bank premises and fixed assets
  • $263Other real estate owned
  • $0Goodwill and other intangibles
  • $106,311Life insurance assets
  • $1,643All other assets
  • $97,062Total liabilities and capital
  • $96,931Total liabilities
  • $79,165Total deposits
  • $96,931Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $131Subordinated debt
  • $9,249All other liabilities
  • $9,249Total equity capital
  • $9,249Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $1,809Surplus
  • $7,380Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $505Income earned, not collected on loans
  • $26Earning assets
  • $1,093Long-term assets (5+ years)
  • $96,709Average Assets, year-to-date
  • $17,997Average Assets, quarterly
  • $99,195Volatile liabilities
  • $100,099Insider loans
  • $68,148FHLB advances
  • $97,442Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,003Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,241Restructured Loans and leases
  • $69Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,893Total interest income
  • $950Total interest expense
  • $3,943Net interest income
  • $200Provision for loan and lease losses
  • $876Total noninterest income
  • $0Fiduciary activities
  • $740Service charges on deposit accounts
  • $0Trading account gains & fees
  • $136Additional noninterest income
  • $2,505Total noninterest expense
  • $1,321Salaries and employee benefits
  • $483Premises and equipment expense
  • $701Additional noninterest expense
  • $2,114Pre-tax net operating income
  • $14Securities gains (losses)
  • $4Applicable income taxes
  • $2,124Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,124Net income attributable to bank
  • $0Net charge-offs
  • $2,124Cash dividends
  • $434Sale, conversion, retirement of capital stock, net
  • $1,779Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.39%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 4.35%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 2.13%Net operating income to assets
  • 2.14%Return on assets (ROA)
  • 2.15%Pretax return on assets
  • 24.97%Return on equity (ROE)
  • 4.06%Retained earnings to average equity (YTD only)
  • 0.65%Net charge-offs to loans
  • 46.08%Credit loss provision to net charge-offs
  • 5.33%Efficiency ratio
  • 51,982Assets per employee
  • 4.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.76%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 108.32%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 69.24%Net loans and leases to core deposits
  • 69.88%Equity capital to assets
  • 8.70%Core capital (leverage) ratio
  • 9.24%Tier 1 risk-based capital ratio
  • 13.21%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $99,195Average earning assets
  • $8,505Average equity
  • $90,744Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010744Bank Northwest201 South Davis Street, Hamilton, MO 64644August 04, 1945Full Service Brick and Mortar
    28580Polo BranchHighways 13 And 116, Polo, MO 64671January 01, 1892Full Service Brick and Mortar
    33020Bethany Branch2804 Miller, Bethany, MO 64424April 10, 1925Full Service Brick and Mortar
    5363007South Davis Branch201 South Davis Street, Hamilton, MO 64644December 26, 2001Limited Service Messenger
    6465848Bank Northwest Stanberry Branch217 E Main, Stanberry, MO 64489July 03, 2006Full Service Brick and Mortar

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