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

Bank of Bloomsdale - Overview

  • General
  • FDIC Certificate #: 9788
    Status: Active
    Federal Reserve ID: 820842
    Bank Holding Company (Regulatory Top Holder): Peoples Community Bancorporation, Inc. (RSSDID: 1416505, Location: Bloomsdale, MO)
    Date Established: May 01, 1914
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 6268
    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: Yes
    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: 55 Mill Hill Road, Bloomsdale, MO 63627
    County: Ste. Genevieve
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    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: $193.3 mil
    Equity capital: $19.8 mil
    Deposits held in domestic offices: $172.4 mil
    Return on assets (ROA): 2.41% ($4.7 mil)
    Quarterly return on assets: 2.63% ($5.1 mil)
    Return on Equity (ROE): 24.67% ($4.9 mil)
    Quarterly return on equity: 25.78% ($5.2 mil)
    Net income: $4.6 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 2.41% ($4,659.4 mil)
    Quarterly Pretax return on assets: 2.63% ($5,084.7 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
  • 43Total employees (full-time equivalent)
  • $193,336Total assets
  • $3,469Cash and due from depository institutions
  • $97Interest-bearing balances
  • $69,015Securities
  • $5,979Federal funds sold & reverse repurchase agreements
  • $108,364Net loans & leases
  • $1,523Loan loss allowance
  • $0Trading account assets
  • $1,143Bank premises and fixed assets
  • $2,733Other real estate owned
  • $1,141Goodwill and other intangibles
  • $193,336Life insurance assets
  • $1,492All other assets
  • $173,511Total liabilities and capital
  • $172,363Total liabilities
  • $143,019Total deposits
  • $172,363Interest-bearing deposits
  • $62Deposits held in domestic offices
  • 714.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $434Subordinated debt
  • $19,825All other liabilities
  • $19,825Total equity capital
  • $19,825Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $480Surplus
  • $19,105Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,175Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,762Income earned, not collected on loans
  • $0Earning assets
  • $717Long-term assets (5+ years)
  • $183,455Average Assets, year-to-date
  • $53,023Average Assets, quarterly
  • $192,203Volatile liabilities
  • $193,059Insider loans
  • $120,153FHLB advances
  • $192,563Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,765Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,771Restructured Loans and leases
  • $6,310Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,991Total interest income
  • $1,864Total interest expense
  • $7,127Net interest income
  • $310Provision for loan and lease losses
  • $1,487Total noninterest income
  • $0Fiduciary activities
  • $229Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,258Additional noninterest income
  • $3,798Total noninterest expense
  • $1,955Salaries and employee benefits
  • $452Premises and equipment expense
  • $1,391Additional noninterest expense
  • $4,506Pre-tax net operating income
  • $133Securities gains (losses)
  • $0Applicable income taxes
  • $4,639Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,639Net income attributable to bank
  • $0Net charge-offs
  • $4,639Cash dividends
  • $257Sale, conversion, retirement of capital stock, net
  • $4,010Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.92%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 2.08%Noninterest expense to earning assets
  • 2.34%Net operating income to assets
  • 2.41%Return on assets (ROA)
  • 2.41%Pretax return on assets
  • 24.67%Return on equity (ROE)
  • 3.34%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 120.62%Credit loss provision to net charge-offs
  • 18.74%Efficiency ratio
  • 43,870Assets per employee
  • 4.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.44%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 86.44%Noncurrent assets plus other real estate owned to assets
  • 2.32%Noncurrent loans to loans
  • 1.60%Net loans and leases to deposits
  • 62.87%Net loans and leases to core deposits
  • 93.34%Equity capital to assets
  • 10.25%Core capital (leverage) ratio
  • 9.23%Tier 1 risk-based capital ratio
  • 14.79%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $192,203Average earning assets
  • $18,807Average equity
  • $182,929Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06268Bank Of Bloomsdale55 Mill Hill Road, Bloomsdale, MO 63627May 01, 1914Full Service Brick and Mortar
    1221224Crystal City Branch100 Bailey Road, Crystal City, MO 63019March 23, 1992Full Service Brick and Mortar
    2362297Ste. Genevieve Branch170 Plaza Drive, Sainte Genevieve, MO 63670October 01, 2001Full Service Brick and Mortar
    3425690Center Drive Branch695 Center Drive, Sainte Genevieve, MO 63670January 28, 2004Full Service Brick and Mortar

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