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

Exchange Bank of Northeast Missouri - Overview

  • General
  • FDIC Certificate #: 8274
    Status: Active
    Federal Reserve ID: 2747466
    Bank Holding Company (Regulatory Top Holder): Lincoln County Bancorp, Inc. (RSSDID: 1097173, Location: Troy, MO)
    Date Established: September 08, 1903
    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)
    FDIC's unique #: 5278
    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: Yes
    Asset Concentration Hierarchy: Agricultural 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: 249 North Morgan Street, Kahoka, MO 63445
    County: Clark
    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
    Core Based Statistical Area (CBSA): Fort Madison-Keokuk, IA-MO (#22800)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $136.1 mil
    Equity capital: $14.1 mil
    Deposits held in domestic offices: $117.3 mil
    Return on assets (ROA): 1.04% ($1.4 mil)
    Quarterly return on assets: 0.71% ($1.0 mil)
    Return on Equity (ROE): 10.62% ($1.5 mil)
    Quarterly return on equity: 6.80% ($1.0 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.04% ($1,415.8 mil)
    Quarterly Pretax return on assets: 0.71% ($966.5 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
  • 40Total employees (full-time equivalent)
  • $136,133Total assets
  • $2,856Cash and due from depository institutions
  • $302Interest-bearing balances
  • $58,808Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $67,594Net loans & leases
  • $983Loan loss allowance
  • $0Trading account assets
  • $2,333Bank premises and fixed assets
  • $85Other real estate owned
  • $2,400Goodwill and other intangibles
  • $136,133Life insurance assets
  • $2,057All other assets
  • $122,018Total liabilities and capital
  • $117,343Total liabilities
  • $98,695Total deposits
  • $117,343Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 4524.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $151Subordinated debt
  • $14,115All other liabilities
  • $14,115Total equity capital
  • $14,115Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $6,250Surplus
  • $7,765Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $757Income earned, not collected on loans
  • $0Earning assets
  • $1,205Long-term assets (5+ years)
  • $126,704Average Assets, year-to-date
  • $31,684Average Assets, quarterly
  • $138,055Volatile liabilities
  • $136,657Insider loans
  • $87,540FHLB advances
  • $135,024Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,238Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,312Restructured Loans and leases
  • $1,810Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,934Total interest income
  • $1,437Total interest expense
  • $4,497Net interest income
  • $481Provision for loan and lease losses
  • $323Total noninterest income
  • $0Fiduciary activities
  • $276Service charges on deposit accounts
  • $0Trading account gains & fees
  • $47Additional noninterest income
  • $3,188Total noninterest expense
  • $1,513Salaries and employee benefits
  • $432Premises and equipment expense
  • $1,243Additional noninterest expense
  • $1,151Pre-tax net operating income
  • $280Securities gains (losses)
  • $0Applicable income taxes
  • $1,431Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,431Net income attributable to bank
  • $0Net charge-offs
  • $1,431Cash dividends
  • $331Sale, conversion, retirement of capital stock, net
  • $280Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.49%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 10.62%Return on equity (ROE)
  • 8.54%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 145.32%Credit loss provision to net charge-offs
  • 4.93%Efficiency ratio
  • 65,954Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.57%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 129.85%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 57.60%Net loans and leases to core deposits
  • 61.00%Equity capital to assets
  • 10.37%Core capital (leverage) ratio
  • 8.32%Tier 1 risk-based capital ratio
  • 12.84%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $138,055Average earning assets
  • $13,477Average equity
  • $128,024Average loans

List of branches

  • 6 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05278Exchange Bank Of Northeast Missouri249 North Morgan Street, Kahoka, MO 63445September 08, 1903Full Service Brick and Mortar
    3187852Palmyra Branch423 Elizabeth Avenue, Palmyra, MO 63461July 09, 1997Full Service Brick and Mortar
    5231210Queen City BranchHighway 63 North, Queen City, MO 63561October 18, 1978Full Service Brick and Mortar
    6229526Lancaster BranchHighway 136 East, Lancaster, MO 63548September 02, 1988Full Service Brick and Mortar
    77939Shelbyville Branch116-120 North Washington Street, Shelbyville, MO 63469January 01, 1894Full Service Brick and Mortar
    8478307Memphis Branch304 East Grand Avenue, Memphis, MO 63555October 04, 2007Full Service Brick and Mortar

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