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


Bank of Thayer - Overview

  • General
  • FDIC Certificate #: 12474
    Status: Active
    Federal Reserve ID: 437455
    Bank Holding Company (Regulatory Top Holder): Ozarks Legacy Community Financial, Inc. (RSSDID: 3313729, Location: Thayer, MO)
    Date Established: August 23, 1900
    WWW: http://www.bankofthayer.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13141
    FDIC's unique #: 7940
    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: All Other Specialization < 1 Billion
    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: 116 Chestnut Street, Thayer, MO 65791
    County: Oregon
    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: $77.1 mil
    Equity capital: $7.5 mil
    Deposits held in domestic offices: $66.5 mil
    Return on assets (ROA): 0.49% ($0.4 mil)
    Quarterly return on assets: 0.61% ($0.5 mil)
    Return on Equity (ROE): 5.36% ($0.4 mil)
    Quarterly return on equity: 6.43% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.68% ($524.4 mil)
    Quarterly Pretax return on assets: 0.87% ($670.9 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
  • 32Total employees (full-time equivalent)
  • $77,120Total assets
  • $2,741Cash and due from depository institutions
  • $358Interest-bearing balances
  • $26,992Securities
  • $63Federal funds sold & reverse repurchase agreements
  • $44,363Net loans & leases
  • $831Loan loss allowance
  • $0Trading account assets
  • $1,528Bank premises and fixed assets
  • $525Other real estate owned
  • $0Goodwill and other intangibles
  • $77,120Life insurance assets
  • $908All other assets
  • $69,653Total liabilities and capital
  • $66,529Total liabilities
  • $57,897Total deposits
  • $66,529Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 1080.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,546Trading liabilities
  • $0Other borrowed funds
  • $498Subordinated debt
  • $7,467All other liabilities
  • $7,467Total equity capital
  • $7,467Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $350Surplus
  • $6,817Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,339Income earned, not collected on loans
  • $0Earning assets
  • $371Long-term assets (5+ years)
  • $71,776Average Assets, year-to-date
  • $22,532Average Assets, quarterly
  • $78,035Volatile liabilities
  • $78,213Insider loans
  • $45,037FHLB advances
  • $77,606Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,927Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,828Restructured Loans and leases
  • $918Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,659Total interest income
  • $685Total interest expense
  • $2,974Net interest income
  • $240Provision for loan and lease losses
  • $864Total noninterest income
  • $0Fiduciary activities
  • $575Service charges on deposit accounts
  • $0Trading account gains & fees
  • $289Additional noninterest income
  • $3,130Total noninterest expense
  • $1,681Salaries and employee benefits
  • $333Premises and equipment expense
  • $1,116Additional noninterest expense
  • $468Pre-tax net operating income
  • $61Securities gains (losses)
  • $148Applicable income taxes
  • $381Income before extraordinary items
  • $0Extraordinary gains - net
  • $381Net income attributable to bank
  • $0Net charge-offs
  • $381Cash dividends
  • $75Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.17%Net interest margin
  • 1.21%Noninterest income to earning assets
  • 4.39%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 5.36%Return on equity (ROE)
  • 5.36%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 320.00%Credit loss provision to net charge-offs
  • 9.44%Efficiency ratio
  • 81,553Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 62.06%Noncurrent assets plus other real estate owned to assets
  • 2.42%Noncurrent loans to loans
  • 2.96%Net loans and leases to deposits
  • 66.68%Net loans and leases to core deposits
  • 67.89%Equity capital to assets
  • 9.68%Core capital (leverage) ratio
  • 8.93%Tier 1 risk-based capital ratio
  • 15.38%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $78,035Average earning assets
  • $7,105Average equity
  • $71,257Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07940Bank Of Thayer116 Chestnut Street, Thayer, MO 65791August 23, 1900Full Service Brick and Mortar
    1227236Drive-In BranchHighways 63 And 142, Thayer, MO 65791August 10, 1971Limited Service Facility
    3227238Howell County Bank Branch960 Preacher Roe Boulevard, West Plains, MO 65775June 30, 1997Full Service Brick and Mortar
    4360017Alton Branch400 Highway 160 West Alton, Alton, MO 65606November 06, 2000Full Service Brick and Mortar

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