Bay-Hermann-Berger Bank in Hermann, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 19, 2011

  • Bay-Hermann-Berger Bank in Hermann, Missouri (MO)
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Bay-Hermann-Berger Bank - Overview

  • General
  • FDIC Certificate #: 18127
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Missouri Bank (#14036)
    Federal Reserve ID: 1007145
    Date Established: October 20, 1911
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 12048
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 17, 1959
    Last Structure Change Effective Date: Febuary 19, 2011
    Last Structure Change Process Date: Febuary 23, 2011
    Last Data Update: Febuary 23, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 501 Market Street, Hermann, MO 65041
    County: Gasconade
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $45.1 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, 2010)

  • Dollar figures in thousands
  • 18Total employees (full-time equivalent)
  • $45,128Total assets
  • $4,247Cash and due from depository institutions
  • $1,716Interest-bearing balances
  • $13,417Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $25,581Net loans & leases
  • $594Loan loss allowance
  • $0Trading account assets
  • $928Bank premises and fixed assets
  • $214Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $741All other assets
  • $45,128Total liabilities and capital
  • $41,224Total liabilities
  • $41,151Total deposits
  • $34,050Interest-bearing deposits
  • $41,151Deposits held in domestic offices
  • 94.84%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $73All other liabilities
  • $3,904Total equity capital
  • $3,904Total bank equity capital
  • $3,904Perpetual preferred stock
  • $0Common stock
  • $290Surplus
  • $715Undivided profits
  • Memoranda
  • $2,899Noncurrent loans and leases
  • $3,706Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3Earning assets
  • $0Long-term assets (5+ years)
  • $271Average Assets, year-to-date
  • $40,714Average Assets, quarterly
  • $12,929Volatile liabilities
  • $45,639Insider loans
  • $46,098FHLB advances
  • $6,803Loans and leases held for sale
  • $2,487Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,706Total unused commitments
  • $0Restructured Loans and leases
  • $351Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $2,127Total interest income
  • $499Total interest expense
  • $1,628Net interest income
  • $527Provision for loan and lease losses
  • $202Total noninterest income
  • $0Fiduciary activities
  • $180Service charges on deposit accounts
  • $0Trading account gains & fees
  • $22Additional noninterest income
  • $1,284Total noninterest expense
  • $720Salaries and employee benefits
  • $173Premises and equipment expense
  • $391Additional noninterest expense
  • $19Pre-tax net operating income
  • $0Securities gains (losses)
  • $14Applicable income taxes
  • $5Income before extraordinary items
  • $0Extraordinary gains - net
  • $5Net income attributable to bank
  • $0Net charge-offs
  • $5Cash dividends
  • $225Sale, conversion, retirement of capital stock, net
  • $184Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.04%Pretax return on assets
  • 0.12%Return on equity (ROE)
  • -4.21%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • 234.22%Credit loss provision to net charge-offs
  • 2.43%Efficiency ratio
  • 70,164Assets per employee
  • 2.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3680.00%Loss allowance to loans
  • 2.27%Loss allowance to noncurrent loans
  • 19800.00%Noncurrent assets plus other real estate owned to assets
  • 0.48%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 62.16%Net loans and leases to core deposits
  • 74.48%Equity capital to assets
  • 8.65%Core capital (leverage) ratio
  • 8.61%Tier 1 risk-based capital ratio
  • 14.55%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $45,639Average earning assets
  • $4,248Average equity
  • $41,946Average loans

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