Bank of Franklin County in Washington, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Franklin County in Washington, Missouri (MO)
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Bank of Franklin County - Overview

  • General
  • FDIC Certificate #: 35543
    Status: Active
    Federal Reserve ID: 2913702
    Bank Holding Company (Regulatory Top Holder): Franklin Bancorp, Inc. (RSSDID: 2913711, Location: Washington, MO)
    Date Established: August 28, 2000
    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 #: 81652
    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: August 28, 2000
    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: 900 East Eighth Street, Washington, MO 63090
    County: Franklin
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $222.8 mil
    Equity capital: $20.1 mil
    Deposits held in domestic offices: $200.5 mil
    Return on assets (ROA): -0.37% (-$0.8 mil)
    Quarterly return on assets: 0.43% ($1.0 mil)
    Return on Equity (ROE): -4.21% (-$0.8 mil)
    Quarterly return on equity: 4.84% ($1.0 mil)
    Net income: -$0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: -0.59% (-$1,314.3 mil)
    Quarterly Pretax return on assets: 0.61% ($1,358.9 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
  • 56Total employees (full-time equivalent)
  • $222,768Total assets
  • $16,661Cash and due from depository institutions
  • $12,884Interest-bearing balances
  • $31,969Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $152,554Net loans & leases
  • $3,460Loan loss allowance
  • $0Trading account assets
  • $7,094Bank premises and fixed assets
  • $8,308Other real estate owned
  • $418Goodwill and other intangibles
  • $222,768Life insurance assets
  • $5,764All other assets
  • $202,681Total liabilities and capital
  • $200,461Total liabilities
  • $182,752Total deposits
  • $200,461Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 931.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $289Subordinated debt
  • $20,087All other liabilities
  • $20,087Total equity capital
  • $20,087Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $14,350Surplus
  • $4,737Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $265Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,958Income earned, not collected on loans
  • $48Earning assets
  • $852Long-term assets (5+ years)
  • $197,407Average Assets, year-to-date
  • $29,738Average Assets, quarterly
  • $224,006Volatile liabilities
  • $224,830Insider loans
  • $177,700FHLB advances
  • $222,277Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,574Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,470Restructured Loans and leases
  • $6,752Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,702Total interest income
  • $3,486Total interest expense
  • $6,216Net interest income
  • $2,560Provision for loan and lease losses
  • $1,688Total noninterest income
  • $0Fiduciary activities
  • $198Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,490Additional noninterest income
  • $6,899Total noninterest expense
  • $3,016Salaries and employee benefits
  • $555Premises and equipment expense
  • $3,328Additional noninterest expense
  • -$1,555Pre-tax net operating income
  • $229Securities gains (losses)
  • -$493Applicable income taxes
  • -$833Income before extraordinary items
  • $0Extraordinary gains - net
  • -$833Net income attributable to bank
  • $0Net charge-offs
  • -$833Cash dividends
  • $3,107Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 1.76%Cost of funding earning assets
  • 3.13%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • -0.44%Net operating income to assets
  • -0.37%Return on assets (ROA)
  • -0.59%Pretax return on assets
  • -4.21%Return on equity (ROE)
  • -4.21%Retained earnings to average equity (YTD only)
  • 1.99%Net charge-offs to loans
  • 82.39%Credit loss provision to net charge-offs
  • 0.32%Efficiency ratio
  • 87,285Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.22%Loss allowance to noncurrent loans
  • 58.07%Noncurrent assets plus other real estate owned to assets
  • 6.40%Noncurrent loans to loans
  • 3.82%Net loans and leases to deposits
  • 76.10%Net loans and leases to core deposits
  • 79.59%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 8.36%Tier 1 risk-based capital ratio
  • 10.45%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $224,006Average earning assets
  • $19,799Average equity
  • $198,350Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    081652Bank Of Franklin County900 East Eighth Street, Washington, MO 63090August 28, 2000Full Service Brick and Mortar
    1424316Krakow Branch3017 Highwa;y A, Washington, MO 63090October 17, 2003Full Service Brick and Mortar
    2447429Bank Of Franklin County - New Haven101 Franklin Avenue, New Haven, MO 63068January 23, 2006Full Service Brick and Mortar
    3462883Bank Of Franklin County - Washington5702 East Highway 100, Washington, MO 63090May 07, 2007Full Service Brick and Mortar

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