Kearney Trust Company in Kearney, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Kearney Trust Company in Kearney, Missouri (MO)
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Kearney Trust Company - Overview

  • General
  • FDIC Certificate #: 9794
    Status: Active
    Federal Reserve ID: 814551
    Bank Holding Company (Regulatory Top Holder): Trustco Bankshares, Inc. (RSSDID: 1063075, Location: Kearney, MO)
    Date Established: June 10, 1882
    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 #: 11458
    FDIC's unique #: 6273
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 12, 2010
    Last Structure Change Process Date: August 12, 2010
    Last Data Update: August 12, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 310 West 92 Highway, Kearney, MO 64060
    County: Clay
    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
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $140.0 mil
    Equity capital: $15.7 mil
    Deposits held in domestic offices: $123.9 mil
    Return on assets (ROA): 1.26% ($1.8 mil)
    Quarterly return on assets: 1.21% ($1.7 mil)
    Return on Equity (ROE): 11.91% ($1.9 mil)
    Quarterly return on equity: 10.88% ($1.7 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.32% ($1,847.4 mil)
    Quarterly Pretax return on assets: 1.25% ($1,749.4 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
  • 36Total employees (full-time equivalent)
  • $139,954Total assets
  • $28,151Cash and due from depository institutions
  • $24,178Interest-bearing balances
  • $28,752Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $79,888Net loans & leases
  • $1,585Loan loss allowance
  • $0Trading account assets
  • $1,259Bank premises and fixed assets
  • $239Other real estate owned
  • $25Goodwill and other intangibles
  • $139,954Life insurance assets
  • $1,640All other assets
  • $124,282Total liabilities and capital
  • $123,904Total liabilities
  • $99,087Total deposits
  • $123,904Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $378Subordinated debt
  • $15,672All other liabilities
  • $15,672Total equity capital
  • $15,672Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $750Surplus
  • $14,322Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $77Income earned, not collected on loans
  • $0Earning assets
  • $769Long-term assets (5+ years)
  • $132,818Average Assets, year-to-date
  • $30,033Average Assets, quarterly
  • $136,328Volatile liabilities
  • $139,316Insider loans
  • $87,049FHLB advances
  • $139,726Loans and leases held for sale
  • $136Unused loan commitments
  • $136Tier 1 (core) risk-based capital
  • $14,600Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,760Restructured Loans and leases
  • $1,036Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,969Total interest income
  • $714Total interest expense
  • $5,255Net interest income
  • $248Provision for loan and lease losses
  • $951Total noninterest income
  • $0Fiduciary activities
  • $371Service charges on deposit accounts
  • $0Trading account gains & fees
  • $580Additional noninterest income
  • $4,165Total noninterest expense
  • $2,165Salaries and employee benefits
  • $416Premises and equipment expense
  • $1,584Additional noninterest expense
  • $1,793Pre-tax net operating income
  • $0Securities gains (losses)
  • $69Applicable income taxes
  • $1,724Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,724Net income attributable to bank
  • $0Net charge-offs
  • $1,724Cash dividends
  • $271Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 4.06%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 11.91%Return on equity (ROE)
  • 8.45%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 91.51%Credit loss provision to net charge-offs
  • 7.53%Efficiency ratio
  • 67,112Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.00%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 2058.44%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.09%Net loans and leases to deposits
  • 64.48%Net loans and leases to core deposits
  • 66.11%Equity capital to assets
  • 11.20%Core capital (leverage) ratio
  • 10.45%Tier 1 risk-based capital ratio
  • 16.77%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $136,328Average earning assets
  • $14,478Average equity
  • $129,335Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06273Kearney Trust Company310 West 92 Highway, Kearney, MO 64060June 10, 1882Full Service Brick and Mortar

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