Farmers Bank of Northern Missouri in Unionville, Missouri (MO), IA
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Farmers Bank of Northern Missouri in Unionville, Missouri (MO), IA
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Farmers Bank of Northern Missouri - Overview

  • General
  • FDIC Certificate #: 4539
    Status: Active
    Federal Reserve ID: 303952
    Bank Holding Company (Regulatory Top Holder): Northern Missouri Bancshares, Inc. (RSSDID: 1249495, Location: Unionville, MO)
    Date Established: June 01, 1901
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: Yes)
    FDIC's unique #: 3003
    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: June 24, 2011
    Last Structure Change Process Date: July 05, 2011
    Last Data Update: July 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1604 Main Street, Unionville, MO 63565
    County: Putnam
    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
  • History of Changes
  • Name Change
    Change in Primary Regulatory Agency
    Change in Chartering Agent
  • Financial Summary
  • Total assets: $325.0 mil
    Equity capital: $38.5 mil
    Deposits held in domestic offices: $273.5 mil
    Return on assets (ROA): 1.03% ($3.3 mil)
    Quarterly return on assets: 0.53% ($1.7 mil)
    Return on Equity (ROE): 8.68% ($3.4 mil)
    Quarterly return on equity: 4.37% ($1.7 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.45% ($4,713.2 mil)
    Quarterly Pretax return on assets: 0.86% ($2,795.4 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
  • 82Total employees (full-time equivalent)
  • $325,045Total assets
  • $25,361Cash and due from depository institutions
  • $16,914Interest-bearing balances
  • $106,992Securities
  • $7,252Federal funds sold & reverse repurchase agreements
  • $168,100Net loans & leases
  • $3,322Loan loss allowance
  • $0Trading account assets
  • $3,201Bank premises and fixed assets
  • $785Other real estate owned
  • $3,738Goodwill and other intangibles
  • $325,045Life insurance assets
  • $9,616All other assets
  • $286,538Total liabilities and capital
  • $273,510Total liabilities
  • $219,601Total deposits
  • $273,510Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 2752.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,550Trading liabilities
  • $0Other borrowed funds
  • $1,726Subordinated debt
  • $38,507All other liabilities
  • $38,507Total equity capital
  • $38,507Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $9,326Surplus
  • $28,581Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,812Income earned, not collected on loans
  • $0Earning assets
  • $3,418Long-term assets (5+ years)
  • $299,258Average Assets, year-to-date
  • $79,156Average Assets, quarterly
  • $315,440Volatile liabilities
  • $314,078Insider loans
  • $190,528FHLB advances
  • $311,748Loans and leases held for sale
  • $3,272Unused loan commitments
  • $1,891Tier 1 (core) risk-based capital
  • $33,373Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,381Total unused commitments
  • $18,293Restructured Loans and leases
  • $2,620Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,450Total interest income
  • $2,573Total interest expense
  • $10,877Net interest income
  • $0Provision for loan and lease losses
  • $1,664Total noninterest income
  • $0Fiduciary activities
  • $778Service charges on deposit accounts
  • $0Trading account gains & fees
  • $886Additional noninterest income
  • $7,970Total noninterest expense
  • $4,803Salaries and employee benefits
  • $1,032Premises and equipment expense
  • $2,135Additional noninterest expense
  • $4,571Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,331Applicable income taxes
  • $3,240Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,240Net income attributable to bank
  • $0Net charge-offs
  • $3,240Cash dividends
  • $133Sale, conversion, retirement of capital stock, net
  • $2,118Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 8.68%Return on equity (ROE)
  • 3.00%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 34.37%Efficiency ratio
  • 63,552Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.37%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 87.15%Noncurrent assets plus other real estate owned to assets
  • 1.41%Noncurrent loans to loans
  • 2.22%Net loans and leases to deposits
  • 61.46%Net loans and leases to core deposits
  • 62.90%Equity capital to assets
  • 11.85%Core capital (leverage) ratio
  • 10.71%Tier 1 risk-based capital ratio
  • 17.52%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $315,440Average earning assets
  • $37,345Average equity
  • $293,044Average loans

List of branches

  • 2 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    18496Centerville Branch200 West Maple, Centerville, IA 52544June 13, 1900Full Service Brick and Mortar
    7457877Farmers Bank Of Northern Missouri205 Northwest Church Street, Leon, IA 50144November 15, 2006Full Service Brick and Mortar
  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03003Farmers Bank Of Northern Missouri1604 Main Street, Unionville, MO 63565June 01, 1901Full Service Brick and Mortar
    2229696Mercer BranchState And Main Streets, Mercer, MO 64661December 01, 1986Full Service Brick and Mortar
    3229697Trenton Branch1801 East 28th Street, Trenton, MO 64683May 18, 1992Full Service Brick and Mortar
    42991Bethany Branch1617 Main Street, Bethany, MO 64424Febuary 05, 1906Full Service Brick and Mortar
    6358916Gallatin Branch121 West Jackson Street, Gallatin, MO 64640December 04, 2000Full Service Brick and Mortar

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