Home Exchange Bank in Jamesport, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Home Exchange Bank in Jamesport, Missouri (MO)
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Home Exchange Bank - Overview

  • General
  • FDIC Certificate #: 8884
    Status: Active
    Federal Reserve ID: 852357
    Bank Holding Company (Regulatory Top Holder): Country Bancshares, Inc. (RSSDID: 1056910, Location: Jamesport, MO)
    Date Established: May 29, 1925
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11575
    FDIC's unique #: 5675
    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: January 01, 1934
    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
  • Location
  • Address: 220 South Broadway, Jamesport, MO 64648
    County: Daviess
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $98.9 mil
    Equity capital: $12.5 mil
    Deposits held in domestic offices: $77.5 mil
    Return on assets (ROA): 1.48% ($1.5 mil)
    Quarterly return on assets: 1.68% ($1.7 mil)
    Return on Equity (ROE): 13.72% ($1.6 mil)
    Quarterly return on equity: 13.45% ($1.6 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.50% ($1,482.8 mil)
    Quarterly Pretax return on assets: 1.70% ($1,680.5 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
  • 23Total employees (full-time equivalent)
  • $98,854Total assets
  • $1,154Cash and due from depository institutions
  • $0Interest-bearing balances
  • $55,037Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $40,620Net loans & leases
  • $2,554Loan loss allowance
  • $0Trading account assets
  • $346Bank premises and fixed assets
  • $0Other real estate owned
  • $213Goodwill and other intangibles
  • $98,854Life insurance assets
  • $1,484All other assets
  • $86,362Total liabilities and capital
  • $77,523Total liabilities
  • $63,596Total deposits
  • $77,523Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,294Trading liabilities
  • $0Other borrowed funds
  • $545Subordinated debt
  • $12,492All other liabilities
  • $12,492Total equity capital
  • $12,492Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $735Surplus
  • $11,557Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,779Income earned, not collected on loans
  • $0Earning assets
  • $715Long-term assets (5+ years)
  • $95,657Average Assets, year-to-date
  • $50,051Average Assets, quarterly
  • $98,021Volatile liabilities
  • $98,553Insider loans
  • $51,734FHLB advances
  • $97,675Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,911Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,691Restructured Loans and leases
  • $483Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,122Total interest income
  • $1,177Total interest expense
  • $2,945Net interest income
  • $307Provision for loan and lease losses
  • $405Total noninterest income
  • $0Fiduciary activities
  • $215Service charges on deposit accounts
  • $0Trading account gains & fees
  • $190Additional noninterest income
  • $1,633Total noninterest expense
  • $1,040Salaries and employee benefits
  • $107Premises and equipment expense
  • $486Additional noninterest expense
  • $1,410Pre-tax net operating income
  • $63Securities gains (losses)
  • $24Applicable income taxes
  • $1,449Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,449Net income attributable to bank
  • $0Net charge-offs
  • $1,449Cash dividends
  • -$11Sale, conversion, retirement of capital stock, net
  • $563Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.36%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 3.12%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 1.73%Noninterest expense to earning assets
  • 1.42%Net operating income to assets
  • 1.48%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 13.72%Return on equity (ROE)
  • 8.39%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -2790.91%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 47,075Assets per employee
  • 4.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.85%Loss allowance to loans
  • 5.92%Loss allowance to noncurrent loans
  • 143.56%Noncurrent assets plus other real estate owned to assets
  • 1.80%Noncurrent loans to loans
  • 4.12%Net loans and leases to deposits
  • 52.40%Net loans and leases to core deposits
  • 62.70%Equity capital to assets
  • 12.64%Core capital (leverage) ratio
  • 10.15%Tier 1 risk-based capital ratio
  • 19.16%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $98,021Average earning assets
  • $10,562Average equity
  • $94,503Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05675Home Exchange Bank220 South Broadway, Jamesport, MO 64648May 29, 1925Full Service Brick and Mortar
    1219123Gilman City Branch435 Main, Gilman City, MO 64642July 30, 1973Full Service Brick and Mortar
    3360011Zook & Roecker Branch105 North Washington, Oregon, MO 64473September 30, 2000Full Service Brick and Mortar

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