Flowers National Bank in Cainsville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Flowers National Bank - Overview

  • General
  • FDIC Certificate #: 4527
    Status: Active
    Federal Reserve ID: 831549
    Date Established: January 01, 1906
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 2993
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 23, 2009
    Last Structure Change Process Date: March 11, 2009
    Last Data Update: March 11, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1415 Washington Street, Cainsville, MO 64632
    County: Harrison
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $32.6 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $27.3 mil
    Return on assets (ROA): 0.38% ($0.1 mil)
    Quarterly return on assets: 0.67% ($0.2 mil)
    Return on Equity (ROE): 2.25% ($0.1 mil)
    Quarterly return on equity: 4.22% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.38% ($123.8 mil)
    Quarterly Pretax return on assets: 0.67% ($218.2 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
  • 11Total employees (full-time equivalent)
  • $32,572Total assets
  • $1,928Cash and due from depository institutions
  • $0Interest-bearing balances
  • $13,590Securities
  • $295Federal funds sold & reverse repurchase agreements
  • $14,042Net loans & leases
  • $153Loan loss allowance
  • $0Trading account assets
  • $276Bank premises and fixed assets
  • $63Other real estate owned
  • $1,359Goodwill and other intangibles
  • $32,572Life insurance assets
  • $1,019All other assets
  • $27,563Total liabilities and capital
  • $27,277Total liabilities
  • $24,845Total deposits
  • $27,277Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $286Subordinated debt
  • $5,009All other liabilities
  • $5,009Total equity capital
  • $5,009Total bank equity capital
  • $0Perpetual preferred stock
  • $334Common stock
  • $5,778Surplus
  • $-1,103Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $96Income earned, not collected on loans
  • $0Earning assets
  • $256Long-term assets (5+ years)
  • $27,927Average Assets, year-to-date
  • $12,630Average Assets, quarterly
  • $29,703Volatile liabilities
  • $31,762Insider loans
  • $22,218FHLB advances
  • $30,388Loans and leases held for sale
  • $179Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,780Tier 2 risk-based capital
  • $179Total risk weighted assets
  • $0Total unused commitments
  • $683Restructured Loans and leases
  • $162Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,828Total interest income
  • $310Total interest expense
  • $1,518Net interest income
  • $0Provision for loan and lease losses
  • $103Total noninterest income
  • $0Fiduciary activities
  • $51Service charges on deposit accounts
  • $0Trading account gains & fees
  • $52Additional noninterest income
  • $1,507Total noninterest expense
  • $603Salaries and employee benefits
  • $93Premises and equipment expense
  • $811Additional noninterest expense
  • $114Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $114Income before extraordinary items
  • $0Extraordinary gains - net
  • $114Net income attributable to bank
  • $0Net charge-offs
  • $114Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.14%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 5.93%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 5.89%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.38%Pretax return on assets
  • 2.25%Return on equity (ROE)
  • 2.25%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 22.80%Efficiency ratio
  • 91,857Assets per employee
  • 2.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 159.38%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 51.48%Net loans and leases to core deposits
  • 65.62%Equity capital to assets
  • 15.38%Core capital (leverage) ratio
  • 12.44%Tier 1 risk-based capital ratio
  • 17.01%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $29,703Average earning assets
  • $5,074Average equity
  • $25,607Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02993Flowers National Bank1415 Washington Street, Cainsville, MO 64632January 01, 1906Full Service Brick and Mortar
    1365924Bethany Branch501 N. 25th Street, Bethany, MO 64424January 08, 2003Full Service Brick and Mortar

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