Missouri Southern Bank in West Plains, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 26, 1998

  • Missouri Southern Bank in West Plains, Missouri (MO)
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Missouri Southern Bank - Overview

  • General
  • FDIC Certificate #: 22916
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Wood & Huston Bank (#1060)
    Federal Reserve ID: 630256
    Date Established: August 01, 1979
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 14458
    FDIC's unique #: 16023
    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: August 01, 1979
    Last Structure Change Effective Date: October 26, 1998
    Last Structure Change Process Date: November 10, 1998
    Last Data Update: November 10, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 1319 North Porter Wagoner Boulevard, West Plains, MO 65775
    County: Howell
    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
    Core Based Statistical Area (CBSA): West Plains, MO (#48460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $33.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $30,180Total assets
  • $1,239Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,742Securities
  • $185Federal funds sold & reverse repurchase agreements
  • $25,053Net loans & leases
  • $377Loan loss allowance
  • $0Trading account assets
  • $541Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $420All other assets
  • $30,180Total liabilities and capital
  • $26,970Total liabilities
  • $26,822Total deposits
  • $21,963Interest-bearing deposits
  • $26,822Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $148All other liabilities
  • $3,210Total equity capital
  • $3,210Total bank equity capital
  • $3,210Perpetual preferred stock
  • $0Common stock
  • $560Surplus
  • $873Undivided profits
  • Memoranda
  • $1,777Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $124Earning assets
  • $0Long-term assets (5+ years)
  • $221Average Assets, year-to-date
  • $27,980Average Assets, quarterly
  • $176Volatile liabilities
  • $28,647Insider loans
  • $30,174FHLB advances
  • $956Loans and leases held for sale
  • $654Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,983Total unused commitments
  • $0Restructured Loans and leases
  • $21,383Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $2,404Total interest income
  • $807Total interest expense
  • $1,597Net interest income
  • $46Provision for loan and lease losses
  • $443Total noninterest income
  • $0Fiduciary activities
  • $341Service charges on deposit accounts
  • $0Trading account gains & fees
  • $102Additional noninterest income
  • $1,366Total noninterest expense
  • $627Salaries and employee benefits
  • $103Premises and equipment expense
  • $636Additional noninterest expense
  • $628Pre-tax net operating income
  • $0Securities gains (losses)
  • $230Applicable income taxes
  • $398Income before extraordinary items
  • $0Extraordinary gains - net
  • $398Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $154Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.23%Yield on earning assets
  • 3.10%Cost of funding earning assets
  • 6.13%Net interest margin
  • 1.70%Noninterest income to earning assets
  • 5.25%Noninterest expense to earning assets
  • 1.39%Net operating income to assets
  • 1.39%Return on assets (ROA)
  • 2.19%Pretax return on assets
  • 12.78%Return on equity (ROE)
  • 7.83%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 511.11%Credit loss provision to net charge-offs
  • 74.89%Efficiency ratio
  • 66,961Assets per employee
  • 1.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.69%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 304.03%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 93.40%Net loans and leases to core deposits
  • 96.86%Equity capital to assets
  • 10.64%Core capital (leverage) ratio
  • 10.73%Tier 1 risk-based capital ratio
  • 14.97%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $28,647Average earning assets
  • $3,115Average equity
  • $26,042Average loans

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