Mississippi County Savings and Loan Association in Charleston, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Mississippi County Savings and Loan Association in Charleston, Missouri (MO)
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Mississippi County Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 30526
    Status: Active
    Federal Reserve ID: 343378
    Date Established: January 01, 1945
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 5497
    FDIC's unique #: 43360
    Numeric code: 36
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: November 26, 1951
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 501 S Main St, Charleston, MO 63834
    County: Mississippi
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $9.3 mil
    Equity capital: $2.5 mil
    Deposits held in domestic offices: $6.7 mil
    Return on assets (ROA): 0.36% ($0.0 mil)
    Quarterly return on assets: -0.56% (-$0.1 mil)
    Return on Equity (ROE): 1.36% ($0.0 mil)
    Quarterly return on equity: -2.07% (-$0.1 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.43% ($39.9 mil)
    Quarterly Pretax return on assets: -0.30% (-$27.8 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
  • 3Total employees (full-time equivalent)
  • $9,279Total assets
  • $2,882Cash and due from depository institutions
  • $1,694Interest-bearing balances
  • $2,404Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,745Net loans & leases
  • $38Loan loss allowance
  • $0Trading account assets
  • $100Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $9,279Life insurance assets
  • $148All other assets
  • $6,775Total liabilities and capital
  • $6,743Total liabilities
  • $6,743Total deposits
  • $6,743Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $32Subordinated debt
  • $2,504All other liabilities
  • $2,504Total equity capital
  • $2,504Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $2,504Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $126Income earned, not collected on loans
  • $0Earning assets
  • $23Long-term assets (5+ years)
  • $7,843Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $9,365Volatile liabilities
  • $9,358Insider loans
  • $3,272FHLB advances
  • $9,280Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,505Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $10Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $402Total interest income
  • $89Total interest expense
  • $313Net interest income
  • $0Provision for loan and lease losses
  • $34Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $34Additional noninterest income
  • $307Total noninterest expense
  • $182Salaries and employee benefits
  • $53Premises and equipment expense
  • $72Additional noninterest expense
  • $40Pre-tax net operating income
  • $0Securities gains (losses)
  • $6Applicable income taxes
  • $34Income before extraordinary items
  • $0Extraordinary gains - net
  • $34Net income attributable to bank
  • $0Net charge-offs
  • $34Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.79%Noninterest expense to earning assets
  • 0.36%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 1.36%Return on equity (ROE)
  • 1.36%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 88,473Assets per employee
  • 3.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 30.16%Noncurrent assets plus other real estate owned to assets
  • 1.36%Noncurrent loans to loans
  • 3.33%Net loans and leases to deposits
  • 55.54%Net loans and leases to core deposits
  • 55.54%Equity capital to assets
  • 26.99%Core capital (leverage) ratio
  • 26.99%Tier 1 risk-based capital ratio
  • 76.56%Total risk-based capital ratio
  • Memoranda
  • $78Average assets
  • $9,365Average earning assets
  • $2,491Average equity
  • $8,097Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043360Mississippi County Savings And Loan501 S Main St, Charleston, MO 63834January 01, 1945Full Service Brick and Mortar

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