Glasgow Savings Bank in Glasgow, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Glasgow Savings Bank - Overview

  • General
  • FDIC Certificate #: 1056
    Status: Active
    Federal Reserve ID: 836151
    Bank Holding Company (Regulatory Top Holder): Gregg Bancshares, Inc. (RSSDID: 3402342, Location: Glasgow, MO)
    Date Established: January 01, 1852
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 706
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 16, 2011
    Last Structure Change Process Date: March 16, 2011
    Last Data Update: March 16, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 601 First Street, Glasgow, MO 65254
    County: Howard
    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
    Core Based Statistical Area (CBSA): Columbia, MO (#17860)
    CBSA Metro Statistical Area: Columbia, MO (#17860)
  • Financial Summary
  • Total assets: $23.7 mil
    Equity capital: $1.5 mil
    Deposits held in domestic offices: $22.2 mil
    Return on assets (ROA): -1.63% (-$0.4 mil)
    Quarterly return on assets: 0.37% ($0.1 mil)
    Return on Equity (ROE): -27.84% (-$0.3 mil)
    Quarterly return on equity: 6.36% ($0.1 mil)
    Net income: -$0.5 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -1.45% (-$343.6 mil)
    Quarterly Pretax return on assets: -0.26% (-$61.6 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
  • 7Total employees (full-time equivalent)
  • $23,697Total assets
  • $706Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,077Securities
  • $3,038Federal funds sold & reverse repurchase agreements
  • $17,040Net loans & leases
  • $953Loan loss allowance
  • $0Trading account assets
  • $407Bank premises and fixed assets
  • $30Other real estate owned
  • $0Goodwill and other intangibles
  • $23,697Life insurance assets
  • $399All other assets
  • $22,242Total liabilities and capital
  • $22,158Total liabilities
  • $17,517Total deposits
  • $22,158Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $84Subordinated debt
  • $1,455All other liabilities
  • $1,455Total equity capital
  • $1,455Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $5,083Surplus
  • $-3,828Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,725Income earned, not collected on loans
  • $0Earning assets
  • $197Long-term assets (5+ years)
  • $22,155Average Assets, year-to-date
  • $1,817Average Assets, quarterly
  • $29,036Volatile liabilities
  • $24,629Insider loans
  • $18,631FHLB advances
  • $24,629Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,431Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $792Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,236Total interest income
  • $200Total interest expense
  • $1,036Net interest income
  • $401Provision for loan and lease losses
  • $8Total noninterest income
  • $0Fiduciary activities
  • $63Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$55Additional noninterest income
  • $1,064Total noninterest expense
  • $486Salaries and employee benefits
  • $112Premises and equipment expense
  • $466Additional noninterest expense
  • -$421Pre-tax net operating income
  • $0Securities gains (losses)
  • $51Applicable income taxes
  • -$472Income before extraordinary items
  • $0Extraordinary gains - net
  • -$472Net income attributable to bank
  • $0Net charge-offs
  • -$472Cash dividends
  • $750Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 3.92%Noninterest expense to earning assets
  • -1.63%Net operating income to assets
  • -1.63%Return on assets (ROA)
  • -1.45%Pretax return on assets
  • -27.84%Return on equity (ROE)
  • -27.84%Retained earnings to average equity (YTD only)
  • 3.95%Net charge-offs to loans
  • 53.47%Credit loss provision to net charge-offs
  • -0.03%Efficiency ratio
  • 101,916Assets per employee
  • 3.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.30%Loss allowance to noncurrent loans
  • 34.97%Noncurrent assets plus other real estate owned to assets
  • 11.63%Noncurrent loans to loans
  • 15.14%Net loans and leases to deposits
  • 76.90%Net loans and leases to core deposits
  • 76.90%Equity capital to assets
  • 6.14%Core capital (leverage) ratio
  • 5.81%Tier 1 risk-based capital ratio
  • 7.68%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $29,036Average earning assets
  • $1,695Average equity
  • $27,140Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0706Glasgow Savings Bank601 First Street, Glasgow, MO 65254January 01, 1852Full Service Brick and Mortar

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