Goppert Financial Bank in Lathrop, Missouri (MO)



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Goppert Financial Bank
GeneralFDIC Certificate #: 8569
Status: Active
Federal Reserve ID: 815053
Bank Holding Company (Regulatory Top Holder): Goppert Financial Corp. (RSSDID: 1051380, Location: Kansas City, MO)
Date Established: September 28, 1879
WWW: http://www.goppertfb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 5473
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: October 01, 2008
Last Structure Change Process Date: October 24, 2008
Last Data Update: October 24, 2008
Data Source Date: April 05, 2012
LocationAddress: 710 Oak Street, Lathrop, MO 64465
County: Clinton
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
Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of ChangesParticipated in Absorption/Consolidation/Merger
Name Change
Financial SummaryTotal assets: $71.7 mil
Equity capital: $7.3 mil
Deposits held in domestic offices: $63.6 mil
Return on assets (ROA): 0.50% ($0.4 mil)
Quarterly return on assets: 0.55% ($0.4 mil)
Return on Equity (ROE): 4.98% ($0.3 mil)
Quarterly return on equity: 5.46% ($0.4 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.68% ($487.6 mil)
Quarterly Pretax return on assets: 0.76% ($545.0 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)22
Total assets$71,705
Cash and due from depository institutions$7,014
Interest-bearing balances$3,675
Securities$15,897
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$45,699
Loan loss allowance $445
Trading account assets$0
Bank premises and fixed assets$1,895
Other real estate owned$49
Goodwill and other intangibles$0
All other assets$1,151
Life insurance assets$71,705
Total liabilities and capital$64,397
Total liabilities$63,627
Total deposits$49,183
Interest-bearing deposits$63,627
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$500
Other borrowed funds $0
Subordinated debt $270
All other liabilities $7,308
Total equity capital$7,308
Total bank equity capital$7,308
Perpetual preferred stock$0
Common stock$196
Surplus$1,154
Undivided profits $5,958
Memoranda
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 $2
Earning assets $0
Long-term assets (5+ years) $845
Average Assets, year-to-date $65,271
Average Assets, quarterly $15,813
Volatile liabilities $71,730
Insider loans $72,159
FHLB advances $50,720
Loans and leases held for sale $74,494
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,238
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $15,537
Derivatives$300
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,999
Total interest expense $513
Net interest income $2,486
Provision for loan and lease losses $72
Total noninterest income $297
Fiduciary activities $0
Service charges on deposit accounts $201
Trading account gains & fees $0
Additional noninterest income $96
Total noninterest expense $2,235
Salaries and employee benefits $1,431
Premises and equipment expense $316
Additional noninterest expense $488
Pre-tax net operating income $476
Securities gains (losses) $13
Applicable income taxes $129
Income before extraordinary items $360
Extraordinary gains - net $0
Net income attributable to bank $360
Net charge-offs $0
Cash dividends $360
Sale, conversion, retirement of capital stock, net $71
Net operating income $157
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.60%
Cost of funding earning assets 0.79%
Net interest margin 3.81%
Noninterest income to earning assets 0.46%
Noninterest expense to earning assets 3.43%
Net operating income to assets 0.49%
Return on assets (ROA) 0.50%
Pretax return on assets 0.68%
Return on equity (ROE) 4.98%
Retained earnings to average equity (YTD only) 2.81%
Net charge-offs to loans 0.16%
Credit loss provision to net charge-offs 101.41%
Efficiency ratio7.72%
Assets per employee$80,309
Cash dividends to net income (YTD only)3.26%
Condition Ratios (%)
Loss allowance to loans 43.61%
Loss allowance to noncurrent loans 0.96%
Noncurrent assets plus other real estate owned to assets 22250.00%
Noncurrent loans to loans 0.07%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 71.82%
Equity capital to assets 73.35%
Core capital (leverage) ratio 10.19%
Tier 1 risk-based capital ratio 9.72%
Total risk-based capital ratio 14.27%
Memoranda
Average assets$15
Average earning assets$71,730
Average equity $7,222
Average loans $65,207
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4 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05473Goppert Financial Bank710 Oak Street, Lathrop, MO 64465September 28, 1879Full Service Brick and Mortar
1218732Holt Drive-In FacilityHighway 33, Holt, MO 64048April 30, 1974Limited Service Facility
242331029206 Northeast 184th Street Branch29206 Ne 184th Street Branch, Lawson, MO 64062January 01, 1999Full Service Brick and Mortar
36277Norborne Branch112 South Pine Street, Norborne, MO 64668August 03, 1895Full Service Brick and Mortar
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