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

Exchange Bank of Missouri - Overview

  • General
  • FDIC Certificate #: 1616
    Status: Active
    Federal Reserve ID: 686459
    Bank Holding Company (Regulatory Top Holder): Northern Missouri Bancshares, Inc. (RSSDID: 1249495, Location: Unionville, MO)
    Date Established: November 19, 1927
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 1058
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 14, 2007
    Last Structure Change Process Date: March 15, 2007
    Last Data Update: March 15, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Church Street, Fayette, MO 65248
    County: Howard
    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): Columbia, MO (#17860)
    CBSA Metro Statistical Area: Columbia, MO (#17860)
  • Financial Summary
  • Total assets: $69.0 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $61.8 mil
    Return on assets (ROA): 1.07% ($0.7 mil)
    Quarterly return on assets: 1.08% ($0.7 mil)
    Return on Equity (ROE): 10.79% ($0.8 mil)
    Quarterly return on equity: 10.46% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.50% ($1,035.5 mil)
    Quarterly Pretax return on assets: 1.96% ($1,353.0 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
  • 25Total employees (full-time equivalent)
  • $69,033Total assets
  • $2,239Cash and due from depository institutions
  • $224Interest-bearing balances
  • $12,073Securities
  • $6,742Federal funds sold & reverse repurchase agreements
  • $44,287Net loans & leases
  • $199Loan loss allowance
  • $0Trading account assets
  • $1,255Bank premises and fixed assets
  • $179Other real estate owned
  • $971Goodwill and other intangibles
  • $69,033Life insurance assets
  • $1,287All other assets
  • $62,011Total liabilities and capital
  • $61,766Total liabilities
  • $55,702Total deposits
  • $61,766Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $245Subordinated debt
  • $7,022All other liabilities
  • $7,022Total equity capital
  • $7,022Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $6,100Surplus
  • $772Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $192Income earned, not collected on loans
  • $0Earning assets
  • $567Long-term assets (5+ years)
  • $63,326Average Assets, year-to-date
  • $21,188Average Assets, quarterly
  • $67,198Volatile liabilities
  • $67,214Insider loans
  • $47,053FHLB advances
  • $66,231Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,001Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,425Restructured Loans and leases
  • $1,691Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,836Total interest income
  • $658Total interest expense
  • $2,178Net interest income
  • $82Provision for loan and lease losses
  • $707Total noninterest income
  • $0Fiduciary activities
  • $248Service charges on deposit accounts
  • $0Trading account gains & fees
  • $459Additional noninterest income
  • $1,809Total noninterest expense
  • $942Salaries and employee benefits
  • $145Premises and equipment expense
  • $722Additional noninterest expense
  • $994Pre-tax net operating income
  • $13Securities gains (losses)
  • $287Applicable income taxes
  • $720Income before extraordinary items
  • $0Extraordinary gains - net
  • $720Net income attributable to bank
  • $0Net charge-offs
  • $720Cash dividends
  • $66Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.64%Net interest margin
  • 1.18%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 10.79%Return on equity (ROE)
  • 10.79%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 124.24%Credit loss provision to net charge-offs
  • 16.30%Efficiency ratio
  • 60,347Assets per employee
  • 2.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.45%Loss allowance to noncurrent loans
  • 103.65%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 71.70%Net loans and leases to core deposits
  • 72.52%Equity capital to assets
  • 10.17%Core capital (leverage) ratio
  • 9.06%Tier 1 risk-based capital ratio
  • 12.75%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $67,198Average earning assets
  • $6,670Average equity
  • $59,883Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01058Exchange Bank Of Missouri101 South Church Street, Fayette, MO 65248November 19, 1927Full Service Brick and Mortar
    1189909New Franklin Branch102 East Broadway, New Franklin, MO 65274November 22, 1982Full Service Brick and Mortar
    244010Fulton Branch601 Court Street, Fulton, MO 65251January 01, 1959Full Service Brick and Mortar

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