Bank of Washington in Washington, Missouri (MO)



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Bank of Washington
GeneralFDIC Certificate #: 12627
Status: Active
Federal Reserve ID: 565750
Bank Holding Company (Regulatory Top Holder): Diamond Bancorp, Inc (RSSDID: 2294812, Location: Washington, MO)
Date Established: October 29, 1877
WWW: http://www.bankofwashington.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 11216
FDIC's unique #: 8016
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
LocationAddress: Main And Oak Streets, 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $846.5 mil
Equity capital: $80.0 mil
Deposits held in domestic offices: $641.1 mil
Return on assets (ROA): 0.18% ($1.5 mil)
Quarterly return on assets: -2.52% (-$21.3 mil)
Return on Equity (ROE): 1.74% ($1.4 mil)
Quarterly return on equity: -24.86% (-$19.9 mil)
Net income: $1.5 mil
Quarterly Net income: -$5.2 mil
Pretax return on assets: 0.19% ($1,608.3 mil)
Quarterly Pretax return on assets: -2.51% (-$21,246.5 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)111
Total assets$846,474
Cash and due from depository institutions$82,339
Interest-bearing balances$51,181
Securities$44,294
Federal funds sold & reverse repurchase agreements$100
Net loans & leases$664,698
Loan loss allowance $16,457
Trading account assets$0
Bank premises and fixed assets$23,296
Other real estate owned$14,892
Goodwill and other intangibles$698
All other assets$16,157
Life insurance assets$846,474
Total liabilities and capital$766,499
Total liabilities$641,097
Total deposits$571,334
Interest-bearing deposits$641,097
Deposits held in domestic offices$82
% insured (estimated)3975.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$117,852
Other borrowed funds $0
Subordinated debt $3,575
All other liabilities $79,975
Total equity capital$79,975
Total bank equity capital$79,975
Perpetual preferred stock$0
Common stock$210
Surplus$20,500
Undivided profits $59,265
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,186
Income earned, not collected on loans $50,689
Earning assets $0
Long-term assets (5+ years) $3,963
Average Assets, year-to-date $760,273
Average Assets, quarterly $90,686
Volatile liabilities $796,951
Insider loans $821,883
FHLB advances $700,701
Loans and leases held for sale $812,722
Unused loan commitments $2,133
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $79,759
Total risk weighted assets $0
Total unused commitments $2,133
Restructured Loans and leases $108,070
Derivatives$2,866
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $38,951
Total interest expense $10,011
Net interest income $28,940
Provision for loan and lease losses $13,050
Total noninterest income $2,197
Fiduciary activities $10
Service charges on deposit accounts $1,466
Trading account gains & fees $0
Additional noninterest income $721
Total noninterest expense $16,561
Salaries and employee benefits $8,236
Premises and equipment expense $2,534
Additional noninterest expense $5,791
Pre-tax net operating income $1,526
Securities gains (losses) -$1
Applicable income taxes $70
Income before extraordinary items $1,455
Extraordinary gains - net $0
Net income attributable to bank $1,455
Net charge-offs $0
Cash dividends $1,455
Sale, conversion, retirement of capital stock, net $11,343
Net operating income $3,806
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.36%
Cost of funding earning assets 1.38%
Net interest margin 3.98%
Noninterest income to earning assets 0.30%
Noninterest expense to earning assets 2.28%
Net operating income to assets 0.18%
Return on assets (ROA) 0.18%
Pretax return on assets 0.19%
Return on equity (ROE) 1.74%
Retained earnings to average equity (YTD only) -2.81%
Net charge-offs to loans 1.66%
Credit loss provision to net charge-offs 115.05%
Efficiency ratio1.29%
Assets per employee$53,171
Cash dividends to net income (YTD only)7.63%
Condition Ratios (%)
Loss allowance to loans 261.58%
Loss allowance to noncurrent loans 2.42%
Noncurrent assets plus other real estate owned to assets 32.47%
Noncurrent loans to loans 7.75%
Net loans and leases to deposits7.44%
Net loans and leases to core deposits 103.68%
Equity capital to assets 118.82%
Core capital (leverage) ratio 9.45%
Tier 1 risk-based capital ratio 9.81%
Total risk-based capital ratio 11.38%
Memoranda
Average assets$13
Average earning assets$796,951
Average equity $83,653
Average loans $726,970
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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$1,837
Number of Accounts1
Personal trust and agency accounts$1,837
Employee benefit-defined contribution accounts$1,837
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 Accounts25
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
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
08016Bank Of WashingtonMain And Oak Streets, Washington, MO 63090October 29, 1877Full Service Brick and Mortar
1227577Detached FacilityFourteenth And Jefferson Streets, Washington, MO 63090May 22, 1978Full Service Brick and Mortar
2227578Schnucks Super Center Branch2073-A Washington Crossing, Washington, MO 63090March 23, 1999Full Service Brick and Mortar
3253734Gray Summit Branch2687 Highway 100, Gray Summit, MO 63039July 30, 1991Full Service Brick and Mortar
4490140East Fifth Street Branch2629 East Fifth Street, Washington, MO 63090April 24, 2009Full Service Brick and Mortar
5491619Villa Ridge Branch3333 Hwy 100, Villa Ridge, MO 63089June 15, 2009Full Service Brick and Mortar
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