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

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

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 111Total employees (full-time equivalent)
  • $846,474Total assets
  • $82,339Cash and due from depository institutions
  • $51,181Interest-bearing balances
  • $44,294Securities
  • $100Federal funds sold & reverse repurchase agreements
  • $664,698Net loans & leases
  • $16,457Loan loss allowance
  • $0Trading account assets
  • $23,296Bank premises and fixed assets
  • $14,892Other real estate owned
  • $698Goodwill and other intangibles
  • $846,474Life insurance assets
  • $16,157All other assets
  • $766,499Total liabilities and capital
  • $641,097Total liabilities
  • $571,334Total deposits
  • $641,097Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 3975.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $117,852Trading liabilities
  • $0Other borrowed funds
  • $3,575Subordinated debt
  • $79,975All other liabilities
  • $79,975Total equity capital
  • $79,975Total bank equity capital
  • $0Perpetual preferred stock
  • $210Common stock
  • $20,500Surplus
  • $59,265Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,186Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $50,689Income earned, not collected on loans
  • $0Earning assets
  • $3,963Long-term assets (5+ years)
  • $760,273Average Assets, year-to-date
  • $90,686Average Assets, quarterly
  • $796,951Volatile liabilities
  • $821,883Insider loans
  • $700,701FHLB advances
  • $812,722Loans and leases held for sale
  • $2,133Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $79,759Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,133Total unused commitments
  • $108,070Restructured Loans and leases
  • $2,866Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $38,951Total interest income
  • $10,011Total interest expense
  • $28,940Net interest income
  • $13,050Provision for loan and lease losses
  • $2,197Total noninterest income
  • $10Fiduciary activities
  • $1,466Service charges on deposit accounts
  • $0Trading account gains & fees
  • $721Additional noninterest income
  • $16,561Total noninterest expense
  • $8,236Salaries and employee benefits
  • $2,534Premises and equipment expense
  • $5,791Additional noninterest expense
  • $1,526Pre-tax net operating income
  • -$1Securities gains (losses)
  • $70Applicable income taxes
  • $1,455Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,455Net income attributable to bank
  • $0Net charge-offs
  • $1,455Cash dividends
  • $11,343Sale, conversion, retirement of capital stock, net
  • $3,806Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.28%Noninterest expense to earning assets
  • 0.18%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.19%Pretax return on assets
  • 1.74%Return on equity (ROE)
  • -2.81%Retained earnings to average equity (YTD only)
  • 1.66%Net charge-offs to loans
  • 115.05%Credit loss provision to net charge-offs
  • 1.29%Efficiency ratio
  • 53,171Assets per employee
  • 7.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 261.58%Loss allowance to loans
  • 2.42%Loss allowance to noncurrent loans
  • 32.47%Noncurrent assets plus other real estate owned to assets
  • 7.75%Noncurrent loans to loans
  • 7.44%Net loans and leases to deposits
  • 103.68%Net loans and leases to core deposits
  • 118.82%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 9.81%Tier 1 risk-based capital ratio
  • 11.38%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $796,951Average earning assets
  • $83,653Average equity
  • $726,970Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,837Managed Assets
  • 1Number of Accounts
  • $1,837Personal trust and agency accounts
  • $1,837Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 25Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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