FDIC Certificate #: 12738 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Guaranty Bank & Trust (#5827) Federal Reserve ID: 236340 Date Established: August 13, 1897 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 8075 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: January 01, 1998 Last Structure Change Process Date: Febuary 09, 1998 Last Data Update: Febuary 09, 1998 Data Source Date: April 05, 2012
Location
Address: Main And Center, Coffey, MO 64636 County: Daviess 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
Financial Summary
Total assets: $9.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
6Total employees (full-time equivalent)
$9,485Total assets
$1,028Cash and due from depository institutions
$0Interest-bearing balances
$1,900Securities
$732Federal funds sold & reverse repurchase agreements
$5,475Net loans & leases
$243Loan loss allowance
$0Trading account assets
$124Bank premises and fixed assets
$0Other real estate owned
$91Goodwill and other intangibles
$0Life insurance assets
$135All other assets
$9,485Total liabilities and capital
$8,704Total liabilities
$8,676Total deposits
$6,789Interest-bearing deposits
$8,676Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$28All other liabilities
$781Total equity capital
$781Total bank equity capital
$781Perpetual preferred stock
$0Common stock
$110Surplus
$609Undivided profits
Memoranda
$62Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$163Earning assets
$0Long-term assets (5+ years)
$101Average Assets, year-to-date
$8,107Average Assets, quarterly
$0Volatile liabilities
$8,832Insider loans
$9,169FHLB advances
$753Loans and leases held for sale
$34Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$886Total unused commitments
$0Restructured Loans and leases
$5,743Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$397Total interest income
$152Total interest expense
$245Net interest income
$28Provision for loan and lease losses
$52Total noninterest income
$0Fiduciary activities
$38Service charges on deposit accounts
$0Trading account gains & fees
$14Additional noninterest income
$201Total noninterest expense
$88Salaries and employee benefits
$20Premises and equipment expense
$93Additional noninterest expense
$68Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$68Income before extraordinary items
$0Extraordinary gains - net
$68Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$13Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.02%Yield on earning assets
1.92%Cost of funding earning assets
3.10%Net interest margin
0.66%Noninterest income to earning assets
2.54%Noninterest expense to earning assets
0.77%Net operating income to assets
0.77%Return on assets (ROA)
0.77%Pretax return on assets
9.93%Return on equity (ROE)
9.93%Retained earnings to average equity (YTD only)
0.23%Net charge-offs to loans
215.38%Credit loss provision to net charge-offs
7.38%Efficiency ratio
67,677Assets per employee
1.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.25%Loss allowance to noncurrent loans
149.08%Noncurrent assets plus other real estate owned to assets
1.72%Noncurrent loans to loans
2.85%Net loans and leases to deposits
63.11%Net loans and leases to core deposits
69.10%Equity capital to assets
8.23%Core capital (leverage) ratio
8.09%Tier 1 risk-based capital ratio
12.03%Total risk-based capital ratio
Memoranda
$13Average assets
$8,832Average earning assets
$685Average equity
$7,911Average loans
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