Investors National Bank in Chillicothe, Missouri (MO)

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Investors National Bank
GeneralFDIC Certificate #: 29093
Status: Active
Federal Reserve ID: 809379
Bank Holding Company (Regulatory Top Holder): Ifb Holdings, Inc. (RSSDID: 2508144, Location: Chillicothe, MO)
Date Established: August 01, 1934
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 2897
FDIC's unique #: 41927
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: October 31, 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
LocationAddress: 522 Washington Street, Chillicothe, MO 64601
County: Livingston
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $67.0 mil
Equity capital: $8.1 mil
Deposits held in domestic offices: $54.2 mil
Return on assets (ROA): 1.03% ($0.7 mil)
Quarterly return on assets: 1.23% ($0.8 mil)
Return on Equity (ROE): 8.87% ($0.7 mil)
Quarterly return on equity: 10.18% ($0.8 mil)
Net income: $0.7 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.15% ($770.2 mil)
Quarterly Pretax return on assets: 1.36% ($910.8 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)19
Total assets$66,972
Cash and due from depository institutions$1,795
Interest-bearing balances$1,076
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$24,733
Loan loss allowance $618
Trading account assets$0
Bank premises and fixed assets$724
Other real estate owned$60
Goodwill and other intangibles$0
All other assets$1,284
Life insurance assets$66,972
Total liabilities and capital$58,891
Total liabilities$54,161
Total deposits$47,289
Interest-bearing deposits$54,161
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,240
Other borrowed funds $0
Subordinated debt $490
All other liabilities $8,081
Total equity capital$8,081
Total bank equity capital$8,081
Perpetual preferred stock$0
Common stock$250
Undivided profits $5,196
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $169
Income earned, not collected on loans $328
Earning assets $0
Long-term assets (5+ years) $522
Average Assets, year-to-date $64,185
Average Assets, quarterly $24,337
Volatile liabilities $66,776
Insider loans $66,856
FHLB advances $27,798
Loans and leases held for sale $66,816
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,398
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,702
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,654
Total interest expense $502
Net interest income $2,152
Provision for loan and lease losses $107
Total noninterest income $356
Fiduciary activities $0
Service charges on deposit accounts $193
Trading account gains & fees $0
Additional noninterest income $163
Total noninterest expense $1,641
Salaries and employee benefits $911
Premises and equipment expense $203
Additional noninterest expense $527
Pre-tax net operating income $760
Securities gains (losses) $11
Applicable income taxes $85
Income before extraordinary items $686
Extraordinary gains - net $0
Net income attributable to bank $686
Net charge-offs $0
Cash dividends $686
Sale, conversion, retirement of capital stock, net $90
Net operating income $675
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.18%
Cost of funding earning assets 0.79%
Net interest margin 3.39%
Noninterest income to earning assets 0.56%
Noninterest expense to earning assets 2.58%
Net operating income to assets 1.01%
Return on assets (ROA) 1.03%
Pretax return on assets 1.15%
Return on equity (ROE) 8.87%
Retained earnings to average equity (YTD only) 0.14%
Net charge-offs to loans 0.33%
Credit loss provision to net charge-offs 118.89%
Efficiency ratio9.63%
Assets per employee$65,431
Cash dividends to net income (YTD only)3.52%
Condition Ratios (%)
Loss allowance to loans 98.40%
Loss allowance to noncurrent loans 2.44%
Noncurrent assets plus other real estate owned to assets 188.41%
Noncurrent loans to loans 0.58%
Net loans and leases to deposits1.29%
Net loans and leases to core deposits 45.67%
Equity capital to assets 54.36%
Core capital (leverage) ratio 12.07%
Tier 1 risk-based capital ratio 11.07%
Total risk-based capital ratio 26.61%
Average assets$28
Average earning assets$66,776
Average equity $7,737
Average loans $63,512
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1 Missouri Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
041927Investors National Bank522 Washington Street, Chillicothe, MO 64601August 01, 1934Full Service Brick and Mortar
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