Bank of Sullivan in Sullivan, Missouri (MO)

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Bank of Sullivan
GeneralFDIC Certificate #: 8892
Status: Active
Federal Reserve ID: 436953
Bank Holding Company (Regulatory Top Holder): Mid-Missouri Holding Company, Inc (RSSDID: 2300768, Location: Sullivan, MO)
Date Established: April 01, 1895
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 12194
FDIC's unique #: 5682
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
LocationAddress: 318 West Main Street, Sullivan, MO 63080
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $264.6 mil
Equity capital: $30.7 mil
Deposits held in domestic offices: $216.3 mil
Return on assets (ROA): 0.39% ($1.0 mil)
Quarterly return on assets: -0.03% (-$0.1 mil)
Return on Equity (ROE): 3.45% ($1.1 mil)
Quarterly return on equity: -0.28% (-$0.1 mil)
Net income: $1.0 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.57% ($1,508.4 mil)
Quarterly Pretax return on assets: -0.10% (-$264.6 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)91
Total assets$264,633
Cash and due from depository institutions$6,884
Interest-bearing balances$1,742
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$226,797
Loan loss allowance $3,535
Trading account assets$0
Bank premises and fixed assets$7,536
Other real estate owned$1,204
Goodwill and other intangibles$815
All other assets$5,838
Life insurance assets$264,634
Total liabilities and capital$233,893
Total liabilities$216,342
Total deposits$188,622
Interest-bearing deposits$216,342
Deposits held in domestic offices$84
% insured (estimated)4901.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,848
Other borrowed funds $0
Subordinated debt $802
All other liabilities $30,741
Total equity capital$30,741
Total bank equity capital$30,741
Perpetual preferred stock$0
Common stock$400
Undivided profits $23,770
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $293
Income earned, not collected on loans $1,751
Earning assets $0
Long-term assets (5+ years) $1,031
Average Assets, year-to-date $244,098
Average Assets, quarterly $21,068
Volatile liabilities $266,218
Insider loans $265,906
FHLB advances $214,647
Loans and leases held for sale $268,856
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $29,613
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $35,129
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,565
Total interest expense $2,850
Net interest income $10,715
Provision for loan and lease losses $1,535
Total noninterest income $2,089
Fiduciary activities $57
Service charges on deposit accounts $889
Trading account gains & fees $0
Additional noninterest income $1,143
Total noninterest expense $9,746
Salaries and employee benefits $4,756
Premises and equipment expense $1,012
Additional noninterest expense $3,978
Pre-tax net operating income $1,523
Securities gains (losses) $4
Applicable income taxes $483
Income before extraordinary items $1,044
Extraordinary gains - net $0
Net income attributable to bank $1,044
Net charge-offs $0
Cash dividends $1,044
Sale, conversion, retirement of capital stock, net $1,132
Net operating income $1,907
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.55%
Cost of funding earning assets 1.17%
Net interest margin 4.38%
Noninterest income to earning assets 0.85%
Noninterest expense to earning assets 3.99%
Net operating income to assets 0.39%
Return on assets (ROA) 0.39%
Pretax return on assets 0.57%
Return on equity (ROE) 3.45%
Retained earnings to average equity (YTD only) -2.85%
Net charge-offs to loans 0.50%
Credit loss provision to net charge-offs 135.60%
Efficiency ratio2.70%
Assets per employee$76,117
Cash dividends to net income (YTD only)2.91%
Condition Ratios (%)
Loss allowance to loans 182.66%
Loss allowance to noncurrent loans 1.53%
Noncurrent assets plus other real estate owned to assets 201.88%
Noncurrent loans to loans 1.12%
Net loans and leases to deposits0.76%
Net loans and leases to core deposits 104.83%
Equity capital to assets 113.84%
Core capital (leverage) ratio 11.62%
Tier 1 risk-based capital ratio 11.01%
Total risk-based capital ratio 13.80%
Average assets$15
Average earning assets$266,218
Average equity $30,273
Average loans $244,384
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$13,297
Number of Accounts1
Personal trust and agency accounts$13,093
Employee benefit-defined contribution accounts$13,093
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts20
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$204
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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6 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05682Bank Of Sullivan318 West Main Street, Sullivan, MO 63080April 01, 1895Full Service Brick and Mortar
215199One Meramec Plaza Branch328 East South Service Center Road, Sullivan, MO 63080Febuary 24, 1975Full Service Brick and Mortar
34418020 Hughes Ford Road Branch20 Hughes Ford Road, Sullivan, MO 63080August 02, 1962Limited Service Administrative
4219132Cuba Branch700 North Franklin, Cuba, MO 65453May 05, 1999Full Service Brick and Mortar
5362245Union Branch351 South Oak, Union, MO 63084August 09, 2000Full Service Brick and Mortar
6452236Labadie Banking Center108 Front Street, Labadie, MO 63055June 26, 2006Full Service Brick and Mortar
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