First State Bank of Purdy in Purdy, Missouri (MO)

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First State Bank of Purdy routing number info

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First State Bank of Purdy
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)44
Total assets$152,212
Cash and due from depository institutions$32,304
Interest-bearing balances$26,958
Federal funds sold & reverse repurchase agreements$7,258
Net loans & leases$70,543
Loan loss allowance $1,317
Trading account assets$0
Bank premises and fixed assets$1,323
Other real estate owned$135
Goodwill and other intangibles$0
All other assets$4,618
Life insurance assets$152,212
Total liabilities and capital$139,722
Total liabilities$135,336
Total deposits$83,639
Interest-bearing deposits$135,336
Deposits held in domestic offices$96
% insured (estimated)4248.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $138
All other liabilities $12,490
Total equity capital$12,490
Total bank equity capital$12,490
Perpetual preferred stock$0
Common stock$172
Undivided profits $8,441
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,811
Earning assets $0
Long-term assets (5+ years) $864
Average Assets, year-to-date $140,790
Average Assets, quarterly $25,706
Volatile liabilities $142,169
Insider loans $147,665
FHLB advances $82,118
Loans and leases held for sale $150,130
Unused loan commitments $3,004
Tier 1 (core) risk-based capital $3,004
Tier 2 risk-based capital $12,384
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $11,080
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,254
Total interest expense $800
Net interest income $4,454
Provision for loan and lease losses $527
Total noninterest income $547
Fiduciary activities $0
Service charges on deposit accounts $439
Trading account gains & fees $0
Additional noninterest income $108
Total noninterest expense $3,944
Salaries and employee benefits $2,153
Premises and equipment expense $636
Additional noninterest expense $1,155
Pre-tax net operating income $530
Securities gains (losses) $524
Applicable income taxes $0
Income before extraordinary items $1,054
Extraordinary gains - net $0
Net income attributable to bank $1,054
Net charge-offs $0
Cash dividends $1,054
Sale, conversion, retirement of capital stock, net $176
Net operating income $354
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.99%
Cost of funding earning assets 0.61%
Net interest margin 3.39%
Noninterest income to earning assets 0.42%
Noninterest expense to earning assets 3.00%
Net operating income to assets 0.37%
Return on assets (ROA) 0.74%
Pretax return on assets 0.74%
Return on equity (ROE) 8.90%
Retained earnings to average equity (YTD only) 5.91%
Net charge-offs to loans 0.24%
Credit loss provision to net charge-offs 299.43%
Efficiency ratio6.01%
Assets per employee$78,864
Cash dividends to net income (YTD only)3.46%
Condition Ratios (%)
Loss allowance to loans 33.59%
Loss allowance to noncurrent loans 1.83%
Noncurrent assets plus other real estate owned to assets 72.72%
Noncurrent loans to loans 1.28%
Net loans and leases to deposits2.52%
Net loans and leases to core deposits 52.12%
Equity capital to assets 57.81%
Core capital (leverage) ratio 8.21%
Tier 1 risk-based capital ratio 8.25%
Total risk-based capital ratio 15.08%
Average assets$16
Average earning assets$142,169
Average equity $11,849
Average loans $131,579
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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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