Empire Bank in Springfield, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Empire Bank - Overview

  • General
  • FDIC Certificate #: 17633
    Status: Active
    Federal Reserve ID: 290052
    Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
    Date Established: July 30, 1956
    WWW: http://www.empirebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 23 (Domestic: 23, Interstate: No)
    OTS Docket #: 11292
    FDIC's unique #: 11601
    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: Commercial Lending Specialization
    Date of Deposit Insurance: July 30, 1956
    Last Structure Change Effective Date: October 16, 2010
    Last Structure Change Process Date: October 18, 2010
    Last Data Update: October 18, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1800 South Glenstone, Springfield, MO 65804
    County: Greene
    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
    Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
    Core Based Statistical Area (CBSA): Springfield, MO (#44180)
    CBSA Metro Statistical Area: Springfield, MO (#44180)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,024.1 mil
    Equity capital: $94.8 mil
    Deposits held in domestic offices: $867.6 mil
    Return on assets (ROA): 1.06% ($10.9 mil)
    Quarterly return on assets: 0.96% ($9.8 mil)
    Return on Equity (ROE): 11.79% ($11.2 mil)
    Quarterly return on equity: 10.44% ($9.9 mil)
    Net income: $11.1 mil
    Quarterly Net income: $2.5 mil
    Pretax return on assets: 1.53% ($15,669.4 mil)
    Quarterly Pretax return on assets: 1.37% ($14,030.7 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
  • 266Total employees (full-time equivalent)
  • $1,024,142Total assets
  • $38,684Cash and due from depository institutions
  • $16,403Interest-bearing balances
  • $156,867Securities
  • $3,857Federal funds sold & reverse repurchase agreements
  • $771,692Net loans & leases
  • $14,879Loan loss allowance
  • $0Trading account assets
  • $24,197Bank premises and fixed assets
  • $7,403Other real estate owned
  • $6,448Goodwill and other intangibles
  • $1,024,142Life insurance assets
  • $14,994All other assets
  • $929,351Total liabilities and capital
  • $867,625Total liabilities
  • $666,670Total deposits
  • $867,625Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 46799.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,032Trading liabilities
  • $0Other borrowed funds
  • $3,895Subordinated debt
  • $94,791All other liabilities
  • $94,791Total equity capital
  • $94,791Total bank equity capital
  • $0Perpetual preferred stock
  • $1,875Common stock
  • $48,785Surplus
  • $44,131Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,504Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,482Income earned, not collected on loans
  • $162Earning assets
  • $3,792Long-term assets (5+ years)
  • $948,819Average Assets, year-to-date
  • $153,967Average Assets, quarterly
  • $1,042,180Volatile liabilities
  • $1,034,707Insider loans
  • $853,478FHLB advances
  • $1,025,485Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $88,136Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $181,490Restructured Loans and leases
  • $11,089Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $48,639Total interest income
  • $5,936Total interest expense
  • $42,703Net interest income
  • $6,786Provision for loan and lease losses
  • $12,770Total noninterest income
  • $0Fiduciary activities
  • $4,104Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,666Additional noninterest income
  • $32,699Total noninterest expense
  • $13,933Salaries and employee benefits
  • $3,955Premises and equipment expense
  • $14,811Additional noninterest expense
  • $15,988Pre-tax net operating income
  • -$4Securities gains (losses)
  • $4,891Applicable income taxes
  • $11,093Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,093Net income attributable to bank
  • $0Net charge-offs
  • $11,093Cash dividends
  • $4,716Sale, conversion, retirement of capital stock, net
  • $10,700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.43%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 11.79%Return on equity (ROE)
  • 0.42%Retained earnings to average equity (YTD only)
  • 0.61%Net charge-offs to loans
  • 143.89%Credit loss provision to net charge-offs
  • 4.83%Efficiency ratio
  • 58,850Assets per employee
  • 3.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.46%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 271.42%Noncurrent assets plus other real estate owned to assets
  • 1.26%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 88.94%Net loans and leases to core deposits
  • 94.24%Equity capital to assets
  • 9.26%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 10.33%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,042,180Average earning assets
  • $94,093Average equity
  • $964,640Average loans

List of branches

  • 23 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011601Empire Bank1800 South Glenstone, Springfield, MO 65804July 30, 1956Full Service Brick and Mortar
    1242389Empire Motor Branch1436 South Glenstone Avenue, Springfield, MO 65804September 08, 1964Limited Service Facility
    2242390Detached Facility2501 North Kansas, Springfield, MO 65803January 14, 1977Limited Service Facility
    3242391Hammons Tower Branch901 East Saint Louis Street, Springfield, MO 65806September 14, 1987Full Service Brick and Mortar
    4242392South National Facility3333 South National Avenue, Springfield, MO 65807May 21, 1990Full Service Brick and Mortar
    511828Nixa Branch502 West Mount Vernon, Nixa, MO 65714August 04, 1958Full Service Brick and Mortar
    6243097Detached FacilityHighways 160, Cc And Route 2, Nixa, MO 65714June 21, 1979Limited Service Facility
    7243098Highlandville Facility3643 State Highway Ee, Highlandville, MO 65669June 22, 1987Full Service Brick and Mortar
    9164191019 Spur Drive Branch1019 Spur Drive, Marshfield, MO 65706June 01, 1981Full Service Brick and Mortar
    1110967Pleasant Hope BranchMain Street And Highway H, Pleasant Hope, MO 65725August 21, 1905Full Service Brick and Mortar
    12239188Fair Grove FacilityHighway 125 And Old Highway 65, Fair Grove, MO 65648July 29, 1985Full Service Brick and Mortar
    13239189Strafford Branch213 East Route 66, Strafford, MO 65757Febuary 01, 1993Full Service Brick and Mortar
    14242394Springfield Branch1940 West Chesterfield Boulevard, Springfield, MO 65807May 11, 1998Full Service Brick and Mortar
    15242395Ozark Branch1520 West Jackson Street, Ozark, MO 65721June 14, 1999Full Service Brick and Mortar
    17245979Battlefield Branch5021 South Ff Highway, Battlefield, MO 65619May 14, 1984Full Service Brick and Mortar
    19447927The Greene County Bank3555 North Glenstone, Springfield, MO 65803January 22, 2006Full Service Brick and Mortar
    20482955Empire Bank - Republic1110 Independence, Republic, MO 65738December 01, 2008Full Service Brick and Mortar
    21493056Empire Bank Web Branch2116 Nelwood Drive, Columbia, MO 65202January 01, 2009Full Service Cyber
    2239989Citizens National Bank Of Springfiel1465 East Sunshine St, Springfield, MO 65804March 07, 1989Full Service Brick and Mortar
    23262063South Glenstone Branch3212 South Glenstone, Springfield, MO 65804September 09, 1996Full Service Brick and Mortar
    24340837Campbell Branch4221 South Campbell, Springfield, MO 65807October 19, 1999Full Service Brick and Mortar
    25419408East Kearney Branch2960 E Kearney, Springfield, MO 65803June 24, 2003Full Service Brick and Mortar
    26445302Ozark Branch1910 West Marler Lane, Ozark, MO 65721July 26, 2005Full Service Brick and Mortar

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