First State Bank of Purdy in Purdy, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of Purdy - Overview

  • General
  • FDIC Certificate #: 16162
    Status: Active
    Federal Reserve ID: 400057
    Bank Holding Company (Regulatory Top Holder): Purdy Bancshares, Inc. (RSSDID: 1096046, Location: Monett, MO)
    Date Established: June 19, 1944
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 15405
    FDIC's unique #: 10372
    Numeric code: 21
    Regulator: FDIC
    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: June 20, 1944
    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: Highway C And Kay Avenue, Purdy, MO 65734
    County: Barry
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $152.2 mil
    Equity capital: $12.5 mil
    Deposits held in domestic offices: $135.3 mil
    Return on assets (ROA): 0.74% ($1.1 mil)
    Quarterly return on assets: 1.02% ($1.6 mil)
    Return on Equity (ROE): 8.90% ($1.1 mil)
    Quarterly return on equity: 12.35% ($1.5 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.74% ($1,126.4 mil)
    Quarterly Pretax return on assets: 1.02% ($1,552.6 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
  • 44Total employees (full-time equivalent)
  • $152,212Total assets
  • $32,304Cash and due from depository institutions
  • $26,958Interest-bearing balances
  • $36,031Securities
  • $7,258Federal funds sold & reverse repurchase agreements
  • $70,543Net loans & leases
  • $1,317Loan loss allowance
  • $0Trading account assets
  • $1,323Bank premises and fixed assets
  • $135Other real estate owned
  • $0Goodwill and other intangibles
  • $152,212Life insurance assets
  • $4,618All other assets
  • $139,722Total liabilities and capital
  • $135,336Total liabilities
  • $83,639Total deposits
  • $135,336Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 4248.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $138Subordinated debt
  • $12,490All other liabilities
  • $12,490Total equity capital
  • $12,490Total bank equity capital
  • $0Perpetual preferred stock
  • $172Common stock
  • $3,877Surplus
  • $8,441Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,811Income earned, not collected on loans
  • $0Earning assets
  • $864Long-term assets (5+ years)
  • $140,790Average Assets, year-to-date
  • $25,706Average Assets, quarterly
  • $142,169Volatile liabilities
  • $147,665Insider loans
  • $82,118FHLB advances
  • $150,130Loans and leases held for sale
  • $3,004Unused loan commitments
  • $3,004Tier 1 (core) risk-based capital
  • $12,384Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,080Restructured Loans and leases
  • $1,923Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,254Total interest income
  • $800Total interest expense
  • $4,454Net interest income
  • $527Provision for loan and lease losses
  • $547Total noninterest income
  • $0Fiduciary activities
  • $439Service charges on deposit accounts
  • $0Trading account gains & fees
  • $108Additional noninterest income
  • $3,944Total noninterest expense
  • $2,153Salaries and employee benefits
  • $636Premises and equipment expense
  • $1,155Additional noninterest expense
  • $530Pre-tax net operating income
  • $524Securities gains (losses)
  • $0Applicable income taxes
  • $1,054Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,054Net income attributable to bank
  • $0Net charge-offs
  • $1,054Cash dividends
  • $176Sale, conversion, retirement of capital stock, net
  • $354Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.99%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 8.90%Return on equity (ROE)
  • 5.91%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 299.43%Credit loss provision to net charge-offs
  • 6.01%Efficiency ratio
  • 78,864Assets per employee
  • 3.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.59%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 72.72%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 2.52%Net loans and leases to deposits
  • 52.12%Net loans and leases to core deposits
  • 57.81%Equity capital to assets
  • 8.21%Core capital (leverage) ratio
  • 8.25%Tier 1 risk-based capital ratio
  • 15.08%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $142,169Average earning assets
  • $11,849Average equity
  • $131,579Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010372First State Bank Of PurdyHighway C And Kay Avenue, Purdy, MO 65734June 19, 1944Full Service Brick and Mortar
    13019Monett Facility106 East Cleveland, Monett, MO 65708January 01, 1890Full Service Brick and Mortar
    2203840Pierce City Facility100 North Elm Street, Pierce City, MO 65723October 25, 1982Full Service Brick and Mortar
    3237546Cassville Branch98 South Main Street, Cassville, MO 65625January 23, 1995Full Service Brick and Mortar
    4237547Monett Wal-Mart Branch885 Highway 60, Monett, MO 65708May 20, 1998Full Service Retail

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