Goppert Financial Bank in Lathrop, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Goppert Financial Bank in Lathrop, Missouri (MO)
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Goppert Financial Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
    Name Change
  • Financial Summary
  • Total 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
  • 22Total employees (full-time equivalent)
  • $71,705Total assets
  • $7,014Cash and due from depository institutions
  • $3,675Interest-bearing balances
  • $15,897Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $45,699Net loans & leases
  • $445Loan loss allowance
  • $0Trading account assets
  • $1,895Bank premises and fixed assets
  • $49Other real estate owned
  • $0Goodwill and other intangibles
  • $71,705Life insurance assets
  • $1,151All other assets
  • $64,397Total liabilities and capital
  • $63,627Total liabilities
  • $49,183Total deposits
  • $63,627Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $270Subordinated debt
  • $7,308All other liabilities
  • $7,308Total equity capital
  • $7,308Total bank equity capital
  • $0Perpetual preferred stock
  • $196Common stock
  • $1,154Surplus
  • $5,958Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2Income earned, not collected on loans
  • $0Earning assets
  • $845Long-term assets (5+ years)
  • $65,271Average Assets, year-to-date
  • $15,813Average Assets, quarterly
  • $71,730Volatile liabilities
  • $72,159Insider loans
  • $50,720FHLB advances
  • $74,494Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,238Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,537Restructured Loans and leases
  • $300Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,999Total interest income
  • $513Total interest expense
  • $2,486Net interest income
  • $72Provision for loan and lease losses
  • $297Total noninterest income
  • $0Fiduciary activities
  • $201Service charges on deposit accounts
  • $0Trading account gains & fees
  • $96Additional noninterest income
  • $2,235Total noninterest expense
  • $1,431Salaries and employee benefits
  • $316Premises and equipment expense
  • $488Additional noninterest expense
  • $476Pre-tax net operating income
  • $13Securities gains (losses)
  • $129Applicable income taxes
  • $360Income before extraordinary items
  • $0Extraordinary gains - net
  • $360Net income attributable to bank
  • $0Net charge-offs
  • $360Cash dividends
  • $71Sale, conversion, retirement of capital stock, net
  • $157Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 4.98%Return on equity (ROE)
  • 2.81%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 101.41%Credit loss provision to net charge-offs
  • 7.72%Efficiency ratio
  • 80,309Assets per employee
  • 3.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.61%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 22250.00%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 71.82%Net loans and leases to core deposits
  • 73.35%Equity capital to assets
  • 10.19%Core capital (leverage) ratio
  • 9.72%Tier 1 risk-based capital ratio
  • 14.27%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $71,730Average earning assets
  • $7,222Average equity
  • $65,207Average loans

List of branches

  • 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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