Independent Farmers Bank in Maysville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Independent Farmers Bank in Maysville, Missouri (MO)
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Independent Farmers Bank - Overview

  • General
  • FDIC Certificate #: 11462
    Status: Active
    Federal Reserve ID: 956152
    Bank Holding Company (Regulatory Top Holder): Farmers Bancshares, Inc. (RSSDID: 1416925, Location: Maysville, MO)
    Date Established: March 12, 1920
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12394
    FDIC's unique #: 7322
    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: December 11, 2008
    Last Structure Change Process Date: March 04, 2009
    Last Data Update: March 04, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 W Main Street, Maysville, MO 64469
    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
  • Change in Location
  • Financial Summary
  • Total assets: $105.0 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $89.2 mil
    Return on assets (ROA): 1.28% ($1.3 mil)
    Quarterly return on assets: 1.02% ($1.1 mil)
    Return on Equity (ROE): 14.73% ($1.3 mil)
    Quarterly return on equity: 11.04% ($1.0 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.77% ($1,858.7 mil)
    Quarterly Pretax return on assets: 1.34% ($1,407.1 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
  • 28Total employees (full-time equivalent)
  • $105,009Total assets
  • $3,563Cash and due from depository institutions
  • $75Interest-bearing balances
  • $48,264Securities
  • $4,621Federal funds sold & reverse repurchase agreements
  • $45,365Net loans & leases
  • $702Loan loss allowance
  • $0Trading account assets
  • $1,080Bank premises and fixed assets
  • $390Other real estate owned
  • $0Goodwill and other intangibles
  • $105,009Life insurance assets
  • $1,726All other assets
  • $95,791Total liabilities and capital
  • $89,224Total liabilities
  • $77,240Total deposits
  • $89,224Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,683Trading liabilities
  • $0Other borrowed funds
  • $884Subordinated debt
  • $9,218All other liabilities
  • $9,218Total equity capital
  • $9,218Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,398Surplus
  • $7,720Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,082Income earned, not collected on loans
  • $0Earning assets
  • $987Long-term assets (5+ years)
  • $98,325Average Assets, year-to-date
  • $52,564Average Assets, quarterly
  • $96,107Volatile liabilities
  • $101,140Insider loans
  • $56,244FHLB advances
  • $100,104Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,963Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,090Restructured Loans and leases
  • $46Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,573Total interest income
  • $1,063Total interest expense
  • $3,510Net interest income
  • $43Provision for loan and lease losses
  • $299Total noninterest income
  • $0Fiduciary activities
  • $246Service charges on deposit accounts
  • $0Trading account gains & fees
  • $53Additional noninterest income
  • $2,431Total noninterest expense
  • $1,491Salaries and employee benefits
  • $272Premises and equipment expense
  • $668Additional noninterest expense
  • $1,335Pre-tax net operating income
  • $368Securities gains (losses)
  • $474Applicable income taxes
  • $1,229Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,229Net income attributable to bank
  • $0Net charge-offs
  • $1,229Cash dividends
  • $121Sale, conversion, retirement of capital stock, net
  • $674Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.77%Pretax return on assets
  • 14.73%Return on equity (ROE)
  • 6.65%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 35.54%Credit loss provision to net charge-offs
  • 11.39%Efficiency ratio
  • 63,823Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.84%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 64.88%Noncurrent assets plus other real estate owned to assets
  • 1.40%Noncurrent loans to loans
  • 2.35%Net loans and leases to deposits
  • 50.84%Net loans and leases to core deposits
  • 55.72%Equity capital to assets
  • 8.78%Core capital (leverage) ratio
  • 7.95%Tier 1 risk-based capital ratio
  • 14.16%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $96,107Average earning assets
  • $8,345Average equity
  • $90,805Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07322Independent Farmers Bank201 W Main Street, Maysville, MO 64469March 12, 1920Full Service Brick and Mortar
    1224659Drive-In FacilityMain Street, Weatherby, MO 64497September 04, 1973Limited Service Facility
    2224660West Main Street Branch208 West Main Street, Maysville, MO 64469July 19, 1983Limited Service Facility
    3224661King City Branch206 North Connecticut, King City, MO 64463January 03, 1994Full Service Brick and Mortar
    4429268Stewartsville Branch1303 North Main Street, Stewartsville, MO 64490May 03, 2004Full Service Brick and Mortar

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