Belgrade State Bank in Belgrade, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Belgrade State Bank - Overview

  • General
  • FDIC Certificate #: 12208
    Status: Active
    Federal Reserve ID: 761244
    Bank Holding Company (Regulatory Top Holder): Turner Bancshares, Inc. (RSSDID: 1136988, Location: Belgrade, MO)
    Date Established: June 19, 1906
    WWW: http://www.belgradestatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12667
    FDIC's unique #: 7756
    Numeric code: 13
    Regulator: FED
    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
  • Location
  • Address: 401 Main Street, Belgrade, MO 63622
    County: Washington
    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
    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: $194.8 mil
    Equity capital: $22.2 mil
    Deposits held in domestic offices: $171.8 mil
    Return on assets (ROA): 0.57% ($1.1 mil)
    Quarterly return on assets: 0.29% ($0.6 mil)
    Return on Equity (ROE): 5.16% ($1.1 mil)
    Quarterly return on equity: 2.53% ($0.6 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.84% ($1,636.7 mil)
    Quarterly Pretax return on assets: 0.31% ($604.0 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
  • 77Total employees (full-time equivalent)
  • $194,846Total assets
  • $11,275Cash and due from depository institutions
  • $2,382Interest-bearing balances
  • $30,976Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $141,965Net loans & leases
  • $1,658Loan loss allowance
  • $0Trading account assets
  • $6,724Bank premises and fixed assets
  • $787Other real estate owned
  • $0Goodwill and other intangibles
  • $194,846Life insurance assets
  • $3,119All other assets
  • $172,687Total liabilities and capital
  • $171,768Total liabilities
  • $151,095Total deposits
  • $171,768Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $919Subordinated debt
  • $22,159All other liabilities
  • $22,159Total equity capital
  • $22,159Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $6,980Surplus
  • $15,059Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,724Income earned, not collected on loans
  • $0Earning assets
  • $885Long-term assets (5+ years)
  • $175,323Average Assets, year-to-date
  • $111,247Average Assets, quarterly
  • $194,662Volatile liabilities
  • $195,208Insider loans
  • $133,813FHLB advances
  • $196,496Loans and leases held for sale
  • $472Unused loan commitments
  • $472Tier 1 (core) risk-based capital
  • $21,886Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,808Restructured Loans and leases
  • $1,299Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,389Total interest income
  • $1,488Total interest expense
  • $7,901Net interest income
  • $910Provision for loan and lease losses
  • $2,872Total noninterest income
  • $0Fiduciary activities
  • $1,902Service charges on deposit accounts
  • $0Trading account gains & fees
  • $970Additional noninterest income
  • $8,282Total noninterest expense
  • $4,131Salaries and employee benefits
  • $959Premises and equipment expense
  • $3,192Additional noninterest expense
  • $1,581Pre-tax net operating income
  • $55Securities gains (losses)
  • $527Applicable income taxes
  • $1,109Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,109Net income attributable to bank
  • $0Net charge-offs
  • $1,109Cash dividends
  • $931Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.50%Net interest margin
  • 1.63%Noninterest income to earning assets
  • 4.71%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 5.16%Return on equity (ROE)
  • 5.16%Retained earnings to average equity (YTD only)
  • 0.65%Net charge-offs to loans
  • 97.74%Credit loss provision to net charge-offs
  • 2.68%Efficiency ratio
  • 76,877Assets per employee
  • 2.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 96.17%Noncurrent assets plus other real estate owned to assets
  • 1.29%Noncurrent loans to loans
  • 1.20%Net loans and leases to deposits
  • 82.65%Net loans and leases to core deposits
  • 91.06%Equity capital to assets
  • 11.37%Core capital (leverage) ratio
  • 11.14%Tier 1 risk-based capital ratio
  • 16.36%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $194,662Average earning assets
  • $21,512Average equity
  • $175,772Average loans

List of branches

  • 6 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07756Belgrade State Bank401 Main Street, Belgrade, MO 63622June 19, 1906Full Service Brick and Mortar
    1226679Caledonia Drive-In Facility101 S Hwy 21, Caledonia, MO 63631September 03, 1974Limited Service Facility
    2226680Potosi Branch306 North Missouri Street, Potosi, MO 63664October 06, 1986Full Service Brick and Mortar
    3226681Desloge414 North State Street, Desloge, MO 63601March 19, 1997Full Service Brick and Mortar
    5361796West Karsch Boulevard Branch515 West Karsch Boulevard, Farmington, MO 63640May 21, 2001Full Service Brick and Mortar
    6437009801 East High801 East High, Potosi, MO 63664November 19, 2004Limited Service Facility

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