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

This bank is inactive as of April 19, 2008

  • Farmers State Bank of Northern Missouri in Savannah, Missouri (MO)
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Farmers State Bank of Northern Missouri - Overview

  • General
  • FDIC Certificate #: 8306
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Mercantile Bank (#11301)
    Federal Reserve ID: 839657
    Date Established: April 04, 1921
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 13821
    FDIC's unique #: 5301
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 19, 2008
    Last Structure Change Process Date: April 21, 2008
    Last Data Update: April 21, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 West Main Street, Savannah, MO 64485
    County: Andrew
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Joseph, MO (#7000)
    Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • Financial Summary
  • Total assets: $98.8 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, 2007)

  • Dollar figures in thousands
  • 31Total employees (full-time equivalent)
  • $99,210Total assets
  • $2,915Cash and due from depository institutions
  • $37Interest-bearing balances
  • $14,627Securities
  • $4,355Federal funds sold & reverse repurchase agreements
  • $69,243Net loans & leases
  • $1,202Loan loss allowance
  • $0Trading account assets
  • $2,443Bank premises and fixed assets
  • $197Other real estate owned
  • $1,828Goodwill and other intangibles
  • $1,086Life insurance assets
  • $3,602All other assets
  • $99,210Total liabilities and capital
  • $90,730Total liabilities
  • $84,328Total deposits
  • $75,634Interest-bearing deposits
  • $84,328Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $6,000Other borrowed funds
  • $0Subordinated debt
  • $402All other liabilities
  • $8,480Total equity capital
  • $8,480Total bank equity capital
  • $8,480Perpetual preferred stock
  • $0Common stock
  • $270Surplus
  • $6,928Undivided profits
  • Memoranda
  • $1,282Noncurrent loans and leases
  • $6,072Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,525Earning assets
  • $0Long-term assets (5+ years)
  • $1,044Average Assets, year-to-date
  • $88,262Average Assets, quarterly
  • $7,813Volatile liabilities
  • $96,532Insider loans
  • $98,914FHLB advances
  • $8,417Loans and leases held for sale
  • $750Unused loan commitments
  • $6,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,072Total unused commitments
  • $0Restructured Loans and leases
  • $884Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $6,136Total interest income
  • $3,429Total interest expense
  • $2,707Net interest income
  • $430Provision for loan and lease losses
  • $1,304Total noninterest income
  • $0Fiduciary activities
  • $434Service charges on deposit accounts
  • $0Trading account gains & fees
  • $870Additional noninterest income
  • $3,031Total noninterest expense
  • $2,048Salaries and employee benefits
  • $333Premises and equipment expense
  • $650Additional noninterest expense
  • $550Pre-tax net operating income
  • $0Securities gains (losses)
  • $143Applicable income taxes
  • $407Income before extraordinary items
  • $0Extraordinary gains - net
  • $407Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $17Sale, conversion, retirement of capital stock, net
  • $80Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.14%Yield on earning assets
  • 3.99%Cost of funding earning assets
  • 3.15%Net interest margin
  • 1.52%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 5.03%Return on equity (ROE)
  • 4.04%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 2529.41%Credit loss provision to net charge-offs
  • 57.65%Efficiency ratio
  • 75,567Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.66%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 47.60%Noncurrent assets plus other real estate owned to assets
  • 2.74%Noncurrent loans to loans
  • 3.58%Net loans and leases to deposits
  • 82.11%Net loans and leases to core deposits
  • 91.22%Equity capital to assets
  • 8.55%Core capital (leverage) ratio
  • 6.83%Tier 1 risk-based capital ratio
  • 9.40%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $96,532Average earning assets
  • $8,097Average equity
  • $85,906Average loans

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