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

Bank of Birch Tree - Overview

  • General
  • FDIC Certificate #: 8278
    Status: Active
    Federal Reserve ID: 816948
    Bank Holding Company (Regulatory Top Holder): Dkb Bancshares, Inc. (RSSDID: 3693999, Location: Birch Tree, MO)
    Date Established: January 01, 1929
    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 #: 5280
    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: 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: County Road Ff And U.S. Highway 60, Birch Tree, MO 65438
    County: Shannon
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $23.5 mil
    Equity capital: $3.6 mil
    Deposits held in domestic offices: $19.8 mil
    Return on assets (ROA): 0.87% ($0.2 mil)
    Quarterly return on assets: 0.37% ($0.1 mil)
    Return on Equity (ROE): 5.63% ($0.2 mil)
    Quarterly return on equity: 2.41% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.28% ($300.5 mil)
    Quarterly Pretax return on assets: 0.51% ($119.7 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
  • 14Total employees (full-time equivalent)
  • $23,480Total assets
  • $2,182Cash and due from depository institutions
  • $1,336Interest-bearing balances
  • $3,277Securities
  • $643Federal funds sold & reverse repurchase agreements
  • $16,657Net loans & leases
  • $422Loan loss allowance
  • $0Trading account assets
  • $242Bank premises and fixed assets
  • $75Other real estate owned
  • $0Goodwill and other intangibles
  • $23,480Life insurance assets
  • $404All other assets
  • $19,830Total liabilities and capital
  • $19,762Total liabilities
  • $15,696Total deposits
  • $19,762Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $68Subordinated debt
  • $3,650All other liabilities
  • $3,650Total equity capital
  • $3,650Total bank equity capital
  • $0Perpetual preferred stock
  • $30Common stock
  • $500Surplus
  • $3,120Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $481Income earned, not collected on loans
  • $0Earning assets
  • $134Long-term assets (5+ years)
  • $21,913Average Assets, year-to-date
  • $1,693Average Assets, quarterly
  • $23,444Volatile liabilities
  • $23,555Insider loans
  • $15,713FHLB advances
  • $23,291Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,609Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,032Restructured Loans and leases
  • $93Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,431Total interest income
  • $178Total interest expense
  • $1,253Net interest income
  • $157Provision for loan and lease losses
  • $175Total noninterest income
  • $0Fiduciary activities
  • $141Service charges on deposit accounts
  • $0Trading account gains & fees
  • $34Additional noninterest income
  • $1,005Total noninterest expense
  • $646Salaries and employee benefits
  • $75Premises and equipment expense
  • $284Additional noninterest expense
  • $266Pre-tax net operating income
  • $34Securities gains (losses)
  • $96Applicable income taxes
  • $204Income before extraordinary items
  • $0Extraordinary gains - net
  • $204Net income attributable to bank
  • $0Net charge-offs
  • $204Cash dividends
  • $84Sale, conversion, retirement of capital stock, net
  • $208Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.50%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 5.69%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 4.57%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 5.63%Return on equity (ROE)
  • -0.11%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 186.90%Credit loss provision to net charge-offs
  • 5.04%Efficiency ratio
  • 70,378Assets per employee
  • 1.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 101.96%Loss allowance to loans
  • 2.47%Loss allowance to noncurrent loans
  • 87.73%Noncurrent assets plus other real estate owned to assets
  • 2.37%Noncurrent loans to loans
  • 2.82%Net loans and leases to deposits
  • 84.29%Net loans and leases to core deposits
  • 84.29%Equity capital to assets
  • 15.55%Core capital (leverage) ratio
  • 15.50%Tier 1 risk-based capital ratio
  • 22.97%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $23,444Average earning assets
  • $3,621Average equity
  • $22,006Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05280Bank Of Birch TreeCounty Road Ff And U.S. Highway 60, Birch Tree, MO 65438January 01, 1929Full Service Brick and Mortar

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