Lawrence County Bank in Aurora, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 10, 1993

Lawrence County Bank in Aurora, Missouri (MO)
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Lawrence County Bank - Overview

General
FDIC Certificate #: 21094
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Commerce Bank, National Association (#13072)
Federal Reserve ID: 758945
Date Established: May 24, 1973
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 14579
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: May 24, 1973
Last Structure Change Effective Date: December 10, 1993
Last Structure Change Process Date: December 20, 1993
Last Data Update: December 20, 1993
Data Source Date: April 05, 2012
Location
Address: Rinker And Church Streets, Aurora, MO 65605
County: Lawrence
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Financial Summary
Total assets: $33.1 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$22Total assets
$33,676Cash and due from depository institutions
$1,685Interest-bearing balances
$95Securities
$11,011Federal funds sold & reverse repurchase agreements
$1,500Net loans & leases
$18,268Loan loss allowance
$350Trading account assets
$0Bank premises and fixed assets
$628Other real estate owned
$87Goodwill and other intangibles
$497Life insurance assets
$0All other assets
$0Total liabilities and capital
$33,676Total liabilities
$30,832Total deposits
$30,642Interest-bearing deposits
$27,710Deposits held in domestic offices
30642.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$190Total equity capital
$190Total bank equity capital
$2,844Perpetual preferred stock
$0Common stock
$280Surplus
$711Undivided profits
Memoranda
$1,853Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$189Income earned, not collected on loans
$198Earning assets
$30,874Long-term assets (5+ years)
$4,482Average Assets, year-to-date
$32,591Average Assets, quarterly
$33,206Volatile liabilities
$4,222Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$553Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,844Total risk weighted assets
$18,099Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$2,695Total interest expense
$1,280Net interest income
$1,415Provision for loan and lease losses
$75Total noninterest income
$228Fiduciary activities
$0Service charges on deposit accounts
$180Trading account gains & fees
$0Additional noninterest income
$48Total noninterest expense
$1,068Salaries and employee benefits
$447Premises and equipment expense
$151Additional noninterest expense
$470Pre-tax net operating income
$500Securities gains (losses)
$32Applicable income taxes
$128Income before extraordinary items
$404Extraordinary gains - net
$0Net income attributable to bank
$404Net charge-offs
$30Cash dividends
$54Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.92%Cost of funding earning assets
4.24%Net interest margin
4.68%Noninterest income to earning assets
0.75%Noninterest expense to earning assets
3.53%Net operating income to assets
1.16%Return on assets (ROA)
1.24%Pretax return on assets
1.63%Return on equity (ROE)
15.03%Retained earnings to average equity (YTD only)
13.02%Net charge-offs to loans
0.16%Credit loss provision to net charge-offs
250.00%Efficiency ratio
65,003Assets per employee
1.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
13.37%Loss allowance to loans
1.88%Loss allowance to noncurrent loans
185.19%Noncurrent assets plus other real estate owned to assets
0.82%Noncurrent loans to loans
1.02%Net loans and leases to deposits
59.62%Net loans and leases to core deposits
69.14%Equity capital to assets
8.45%Core capital (leverage) ratio
8.58%Tier 1 risk-based capital ratio
15.71%Total risk-based capital ratio
Memoranda
$17Average assets
$32,591Average earning assets
$2,688Average equity
$30,218Average loans

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