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


  • Bank of Belton in Belton, Missouri (MO)
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Bank of Belton - Overview

  • General
  • FDIC Certificate #: 1623
    Status: Active
    Federal Reserve ID: 566458
    Bank Holding Company (Regulatory Top Holder): Overland Bancorp, Inc. (RSSDID: 2267722, Location: Belton, MO)
    Date Established: August 19, 1884
    WWW: http://www.bankofbelton.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 1063
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 12, 2010
    Last Structure Change Process Date: August 12, 2010
    Last Data Update: August 12, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 204 Main Street, Belton, MO 64012
    County: Cass
    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
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    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
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $47.3 mil
    Equity capital: $3.2 mil
    Deposits held in domestic offices: $44.0 mil
    Return on assets (ROA): -0.87% (-$0.4 mil)
    Quarterly return on assets: -1.67% (-$0.8 mil)
    Return on Equity (ROE): -12.23% (-$0.4 mil)
    Quarterly return on equity: -24.43% (-$0.7 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.73% (-$345.5 mil)
    Quarterly Pretax return on assets: -1.42% (-$672.0 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
  • 29Total employees (full-time equivalent)
  • $47,323Total assets
  • $8,181Cash and due from depository institutions
  • $6,498Interest-bearing balances
  • $7,053Securities
  • $4,470Federal funds sold & reverse repurchase agreements
  • $22,232Net loans & leases
  • $494Loan loss allowance
  • $0Trading account assets
  • $446Bank premises and fixed assets
  • $3,142Other real estate owned
  • $440Goodwill and other intangibles
  • $47,323Life insurance assets
  • $1,359All other assets
  • $44,118Total liabilities and capital
  • $43,982Total liabilities
  • $35,767Total deposits
  • $43,982Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $136Subordinated debt
  • $3,205All other liabilities
  • $3,205Total equity capital
  • $3,205Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,000Surplus
  • $2,005Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,055Income earned, not collected on loans
  • $295Earning assets
  • $131Long-term assets (5+ years)
  • $40,253Average Assets, year-to-date
  • $512Average Assets, quarterly
  • $48,640Volatile liabilities
  • $48,271Insider loans
  • $28,851FHLB advances
  • $46,924Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,355Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,991Restructured Loans and leases
  • $246Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,530Total interest income
  • $195Total interest expense
  • $1,335Net interest income
  • $45Provision for loan and lease losses
  • $1,358Total noninterest income
  • $1,075Fiduciary activities
  • $151Service charges on deposit accounts
  • $0Trading account gains & fees
  • $132Additional noninterest income
  • $3,001Total noninterest expense
  • $1,533Salaries and employee benefits
  • $230Premises and equipment expense
  • $1,238Additional noninterest expense
  • -$353Pre-tax net operating income
  • $0Securities gains (losses)
  • $72Applicable income taxes
  • -$425Income before extraordinary items
  • $0Extraordinary gains - net
  • -$425Net income attributable to bank
  • $0Net charge-offs
  • -$425Cash dividends
  • $132Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.65%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.18%Net interest margin
  • 3.24%Noninterest income to earning assets
  • 7.15%Noninterest expense to earning assets
  • -0.87%Net operating income to assets
  • -0.87%Return on assets (ROA)
  • -0.73%Pretax return on assets
  • -12.23%Return on equity (ROE)
  • -12.23%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 34.09%Credit loss provision to net charge-offs
  • -2.33%Efficiency ratio
  • 111,437Assets per employee
  • 1.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.17%Loss allowance to noncurrent loans
  • 24.04%Noncurrent assets plus other real estate owned to assets
  • 10.98%Noncurrent loans to loans
  • 9.04%Net loans and leases to deposits
  • 50.55%Net loans and leases to core deposits
  • 50.55%Equity capital to assets
  • 6.77%Core capital (leverage) ratio
  • 5.02%Tier 1 risk-based capital ratio
  • 8.16%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $48,640Average earning assets
  • $3,475Average equity
  • $41,964Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $248,895Managed Assets
  • 1Number of Accounts
  • $22,313Personal trust and agency accounts
  • $15,918Employee benefit-defined contribution accounts
  • $3,389Employee benefit-defined benefit accounts
  • $696Other retirement accounts
  • $1,145Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,165Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 291Number of Accounts
  • $0Personal trust and agency accounts
  • $1,145Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $226,582Other retirement accounts
  • $22,401Corporate trust and agency accounts
  • $192,629Other fiduciary accounts
  • $11,552Fiduciary accounts held in foreign offices

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01063Bank Of Belton204 Main Street, Belton, MO 64012August 19, 1884Full Service Brick and Mortar

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