Missouri Southern Bank in West Plains, Missouri (MO)



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Missouri Southern Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)24
Total assets$30,180
Cash and due from depository institutions$1,239
Interest-bearing balances$0
Securities$2,742
Federal funds sold & reverse repurchase agreements$185
Net loans & leases$25,053
Loan loss allowance $377
Trading account assets$0
Bank premises and fixed assets$541
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$420
Life insurance assets$0
Total liabilities and capital$30,180
Total liabilities$26,970
Total deposits$26,822
Interest-bearing deposits$21,963
Deposits held in domestic offices$26,822
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $148
Total equity capital$3,210
Total bank equity capital$3,210
Perpetual preferred stock$3,210
Common stock$0
Surplus$560
Undivided profits $873
Memoranda
Noncurrent loans and leases $1,777
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $124
Long-term assets (5+ years) $0
Average Assets, year-to-date $221
Average Assets, quarterly $27,980
Volatile liabilities $176
Insider loans $28,647
FHLB advances $30,174
Loans and leases held for sale $956
Unused loan commitments $654
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $1,983
Restructured Loans and leases $0
Derivatives$21,383
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Income and Expense (December 31, 1997)
(Dollar figures in thousands)
Total interest income $2,404
Total interest expense $807
Net interest income $1,597
Provision for loan and lease losses $46
Total noninterest income $443
Fiduciary activities $0
Service charges on deposit accounts $341
Trading account gains & fees $0
Additional noninterest income $102
Total noninterest expense $1,366
Salaries and employee benefits $627
Premises and equipment expense $103
Additional noninterest expense $636
Pre-tax net operating income $628
Securities gains (losses) $0
Applicable income taxes $230
Income before extraordinary items $398
Extraordinary gains - net $0
Net income attributable to bank $398
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $9
Net operating income $154
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Performance and Condition Ratios (December 31, 1997)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets9.23%
Cost of funding earning assets 3.10%
Net interest margin 6.13%
Noninterest income to earning assets 1.70%
Noninterest expense to earning assets 5.25%
Net operating income to assets 1.39%
Return on assets (ROA) 1.39%
Pretax return on assets 2.19%
Return on equity (ROE) 12.78%
Retained earnings to average equity (YTD only) 7.83%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 511.11%
Efficiency ratio74.89%
Assets per employee$66,961
Cash dividends to net income (YTD only)1.26%
Condition Ratios (%)
Loss allowance to loans 38.69%
Loss allowance to noncurrent loans 1.48%
Noncurrent assets plus other real estate owned to assets 304.03%
Noncurrent loans to loans 0.41%
Net loans and leases to deposits0.49%
Net loans and leases to core deposits 93.40%
Equity capital to assets 96.86%
Core capital (leverage) ratio 10.64%
Tier 1 risk-based capital ratio 10.73%
Total risk-based capital ratio 14.97%
Memoranda
Average assets$16
Average earning assets$28,647
Average equity $3,115
Average loans $26,042
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