Bank of Billings in Billings, Missouri (MO)



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Bank of Billings
GeneralFDIC Certificate #: 16959
Status: Active
Federal Reserve ID: 572347
Bank Holding Company (Regulatory Top Holder): First Miami Bancshares, Inc. (RSSDID: 1061316, Location: Miami, OK)
Date Established: March 14, 1889
WWW: http://www.thebankofbillings.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 11036
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: December 01, 1950
Last Structure Change Effective Date: November 01, 2010
Last Structure Change Process Date: November 01, 2010
Last Data Update: November 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 202 N.E. Hwy 60, Billings, MO 65610
County: Christian
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Dallas
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
Core Based Statistical Area (CBSA): Springfield, MO (#44180)
CBSA Metro Statistical Area: Springfield, MO (#44180)
Financial SummaryTotal assets: $57.4 mil
Equity capital: $7.7 mil
Deposits held in domestic offices: $49.6 mil
Return on assets (ROA): 1.30% ($0.7 mil)
Quarterly return on assets: 0.69% ($0.4 mil)
Return on Equity (ROE): 9.22% ($0.7 mil)
Quarterly return on equity: 4.99% ($0.4 mil)
Net income: $0.7 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 2.01% ($1,154.7 mil)
Quarterly Pretax return on assets: 0.97% ($557.2 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)
Total employees (full-time equivalent)20
Total assets$57,448
Cash and due from depository institutions$2,185
Interest-bearing balances$650
Securities$4,128
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$45,777
Loan loss allowance $604
Trading account assets$0
Bank premises and fixed assets$1,438
Other real estate owned$86
Goodwill and other intangibles$3,200
All other assets$634
Life insurance assets$57,448
Total liabilities and capital$49,714
Total liabilities$49,611
Total deposits$42,026
Interest-bearing deposits$49,611
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $103
All other liabilities $7,734
Total equity capital$7,734
Total bank equity capital$7,734
Perpetual preferred stock$0
Common stock$100
Surplus$6,725
Undivided profits $909
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $207
Earning assets $0
Long-term assets (5+ years) $341
Average Assets, year-to-date $50,555
Average Assets, quarterly $1,135
Volatile liabilities $54,352
Insider loans $56,355
FHLB advances $40,149
Loans and leases held for sale $53,573
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,480
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,151
Derivatives$430
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,197
Total interest expense $410
Net interest income $2,787
Provision for loan and lease losses $258
Total noninterest income $260
Fiduciary activities $0
Service charges on deposit accounts $212
Trading account gains & fees $0
Additional noninterest income $48
Total noninterest expense $1,699
Salaries and employee benefits $716
Premises and equipment expense $226
Additional noninterest expense $757
Pre-tax net operating income $1,090
Securities gains (losses) $0
Applicable income taxes $382
Income before extraordinary items $708
Extraordinary gains - net $0
Net income attributable to bank $708
Net charge-offs $0
Cash dividends $708
Sale, conversion, retirement of capital stock, net $55
Net operating income $500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.62%
Cost of funding earning assets 0.85%
Net interest margin 5.77%
Noninterest income to earning assets 0.54%
Noninterest expense to earning assets 3.52%
Net operating income to assets 1.30%
Return on assets (ROA) 1.30%
Pretax return on assets 2.01%
Return on equity (ROE) 9.22%
Retained earnings to average equity (YTD only) 2.71%
Net charge-offs to loans 0.13%
Credit loss provision to net charge-offs 469.09%
Efficiency ratio24.51%
Assets per employee$53,856
Cash dividends to net income (YTD only)2.87%
Condition Ratios (%)
Loss allowance to loans 70.62%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 291.79%
Noncurrent loans to loans 0.51%
Net loans and leases to deposits0.45%
Net loans and leases to core deposits 92.27%
Equity capital to assets 114.11%
Core capital (leverage) ratio 13.46%
Tier 1 risk-based capital ratio 8.36%
Total risk-based capital ratio 11.16%
Memoranda
Average assets$12
Average earning assets$54,352
Average equity $7,677
Average loans $48,324
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2 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011036Bank Of Billings202 N.E. Hwy 60, Billings, MO 65610March 14, 1889Full Service Brick and Mortar
112718Marionville Branch511 Chestnut Street, Marionville, MO 65705September 03, 1963Full Service Brick and Mortar
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