Excel Bank in Sedalia, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Excel Bank - Overview

  • General
  • FDIC Certificate #: 19189
    Status: Active
    Federal Reserve ID: 202550
    Bank Holding Company (Regulatory Top Holder): Investors Financial Corporation Of Pettis County, Inc. (RSSDID: 1427006, Location: Sedalia, MO)
    Date Established: July 30, 1964
    WWW: http://www.excelbankmo.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11317
    FDIC's unique #: 13009
    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, 1964
    Last Structure Change Effective Date: July 25, 2010
    Last Structure Change Process Date: August 05, 2010
    Last Data Update: August 05, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 818 Thompson Boulevard, Sedalia, MO 65301
    County: Pettis
    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
    Core Based Statistical Area (CBSA): Sedalia, MO (#42740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $240.2 mil
    Equity capital: $12.5 mil
    Deposits held in domestic offices: $205.3 mil
    Return on assets (ROA): -2.19% (-$5.3 mil)
    Quarterly return on assets: -1.11% (-$2.7 mil)
    Return on Equity (ROE): -36.71% (-$4.4 mil)
    Quarterly return on equity: -21.15% (-$2.5 mil)
    Net income: -$5.7 mil
    Quarterly Net income: -$0.7 mil
    Pretax return on assets: -2.18% (-$5,237.1 mil)
    Quarterly Pretax return on assets: -1.11% (-$2,666.6 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
  • 55Total employees (full-time equivalent)
  • $240,232Total assets
  • $35,420Cash and due from depository institutions
  • $31,179Interest-bearing balances
  • $14,727Securities
  • $94Federal funds sold & reverse repurchase agreements
  • $170,209Net loans & leases
  • $5,927Loan loss allowance
  • $0Trading account assets
  • $4,215Bank premises and fixed assets
  • $9,419Other real estate owned
  • $0Goodwill and other intangibles
  • $240,232Life insurance assets
  • $6,148All other assets
  • $227,753Total liabilities and capital
  • $205,280Total liabilities
  • $185,749Total deposits
  • $205,280Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 425.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,000Trading liabilities
  • $0Other borrowed funds
  • $1,048Subordinated debt
  • $12,479All other liabilities
  • $12,479Total equity capital
  • $12,479Total bank equity capital
  • $0Perpetual preferred stock
  • $277Common stock
  • $11,101Surplus
  • $1,101Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $662Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $32,641Income earned, not collected on loans
  • $0Earning assets
  • $774Long-term assets (5+ years)
  • $216,209Average Assets, year-to-date
  • $22,737Average Assets, quarterly
  • $259,013Volatile liabilities
  • $245,401Insider loans
  • $169,988FHLB advances
  • $246,677Loans and leases held for sale
  • $3,410Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,214Tier 2 risk-based capital
  • $2,281Total risk weighted assets
  • $1,129Total unused commitments
  • $13,151Restructured Loans and leases
  • $2,276Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,327Total interest income
  • $2,961Total interest expense
  • $8,366Net interest income
  • $7,843Provision for loan and lease losses
  • $1,532Total noninterest income
  • $0Fiduciary activities
  • $546Service charges on deposit accounts
  • $0Trading account gains & fees
  • $986Additional noninterest income
  • $7,741Total noninterest expense
  • $2,781Salaries and employee benefits
  • $992Premises and equipment expense
  • $3,968Additional noninterest expense
  • -$5,686Pre-tax net operating income
  • $30Securities gains (losses)
  • $19Applicable income taxes
  • -$5,675Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,675Net income attributable to bank
  • $0Net charge-offs
  • -$5,675Cash dividends
  • $8,677Sale, conversion, retirement of capital stock, net
  • $20Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • -2.20%Net operating income to assets
  • -2.19%Return on assets (ROA)
  • -2.18%Pretax return on assets
  • -36.71%Return on equity (ROE)
  • -36.84%Retained earnings to average equity (YTD only)
  • 4.16%Net charge-offs to loans
  • 90.39%Credit loss provision to net charge-offs
  • 0.25%Efficiency ratio
  • 78,208Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -0.35%Loss allowance to loans
  • 3.37%Loss allowance to noncurrent loans
  • 18.16%Noncurrent assets plus other real estate owned to assets
  • 17.51%Noncurrent loans to loans
  • 18.53%Net loans and leases to deposits
  • 82.92%Net loans and leases to core deposits
  • 85.99%Equity capital to assets
  • 5.19%Core capital (leverage) ratio
  • 4.95%Tier 1 risk-based capital ratio
  • 7.19%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $259,013Average earning assets
  • $15,461Average equity
  • $238,416Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013009Excel Bank818 Thompson Boulevard, Sedalia, MO 65301July 30, 1964Full Service Brick and Mortar
    21066Green Ridge Branch205 North Main Street, Green Ridge, MO 65332January 01, 1890Limited Service Facility
    3247546Lees Summit Branch1800 Se Blue Parkway, Lees Summit, MO 64063October 01, 1998Full Service Brick and Mortar
    4508877Kirkwood Branch302 N Clay Avenue, Kirkwood, MO 63122November 16, 2009Full Service Brick and Mortar

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