Horizon State Bank in Cameron, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Horizon State Bank in Cameron, Missouri (MO)
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Horizon State Bank - Overview

  • General
  • FDIC Certificate #: 10611
    Status: Active
    Federal Reserve ID: 774851
    Bank Holding Company (Regulatory Top Holder): Osborn Bancshares, Inc. (RSSDID: 1056460, Location: Cameron, MO)
    Date Established: July 16, 1886
    WWW: http://www.horizonstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15529
    FDIC's unique #: 6801
    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: 814 North Walnut, Cameron, MO 64429
    County: Dekalb
    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
    Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $19.4 mil
    Equity capital: $1.6 mil
    Deposits held in domestic offices: $17.6 mil
    Return on assets (ROA): 0.13% ($0.0 mil)
    Quarterly return on assets: -0.26% (-$0.0 mil)
    Return on Equity (ROE): 1.44% ($0.0 mil)
    Quarterly return on equity: -2.93% (-$0.1 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.13% ($25.3 mil)
    Quarterly Pretax return on assets: -0.26% (-$50.5 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
  • 12Total employees (full-time equivalent)
  • $19,431Total assets
  • $3,039Cash and due from depository institutions
  • $2,386Interest-bearing balances
  • $1,035Securities
  • $2,695Federal funds sold & reverse repurchase agreements
  • $11,690Net loans & leases
  • $149Loan loss allowance
  • $0Trading account assets
  • $393Bank premises and fixed assets
  • $277Other real estate owned
  • $0Goodwill and other intangibles
  • $19,431Life insurance assets
  • $302All other assets
  • $17,813Total liabilities and capital
  • $17,561Total liabilities
  • $11,946Total deposits
  • $17,561Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $200Trading liabilities
  • $0Other borrowed funds
  • $52Subordinated debt
  • $1,618All other liabilities
  • $1,618Total equity capital
  • $1,618Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $195Surplus
  • $1,373Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $125Long-term assets (5+ years)
  • $17,806Average Assets, year-to-date
  • $160Average Assets, quarterly
  • $18,884Volatile liabilities
  • $18,805Insider loans
  • $12,424FHLB advances
  • $18,970Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,583Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $944Restructured Loans and leases
  • $123Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,053Total interest income
  • $158Total interest expense
  • $895Net interest income
  • $6Provision for loan and lease losses
  • $323Total noninterest income
  • $0Fiduciary activities
  • $243Service charges on deposit accounts
  • $0Trading account gains & fees
  • $80Additional noninterest income
  • $1,188Total noninterest expense
  • $675Salaries and employee benefits
  • $122Premises and equipment expense
  • $391Additional noninterest expense
  • $24Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $24Income before extraordinary items
  • $0Extraordinary gains - net
  • $24Net income attributable to bank
  • $0Net charge-offs
  • $24Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $108Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.09%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 5.18%Net interest margin
  • 1.87%Noninterest income to earning assets
  • 6.87%Noninterest expense to earning assets
  • 0.13%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • 0.13%Pretax return on assets
  • 1.44%Return on equity (ROE)
  • -5.04%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 200.00%Credit loss provision to net charge-offs
  • 10.00%Efficiency ratio
  • 97,537Assets per employee
  • 1.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 450.00%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 1.43%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 66.57%Net loans and leases to core deposits
  • 66.57%Equity capital to assets
  • 8.33%Core capital (leverage) ratio
  • 8.34%Tier 1 risk-based capital ratio
  • 12.74%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $18,884Average earning assets
  • $1,667Average equity
  • $17,284Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06801Horizon State Bank814 North Walnut, Cameron, MO 64429July 16, 1886Full Service Brick and Mortar

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