New Era Bank in Fredericktown, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

New Era Bank - Overview

  • General
  • FDIC Certificate #: 14546
    Status: Active
    Federal Reserve ID: 1014657
    Bank Holding Company (Regulatory Top Holder): New Era Bancorporation, Inc. (RSSDID: 1119628, Location: Fredericktown, MO)
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13764
    FDIC's unique #: 9091
    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: July 03, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Mine La Motte, Fredericktown, MO 63645
    County: Madison
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $278.8 mil
    Equity capital: $32.9 mil
    Deposits held in domestic offices: $238.2 mil
    Return on assets (ROA): 2.20% ($6.1 mil)
    Quarterly return on assets: 2.00% ($5.6 mil)
    Return on Equity (ROE): 18.78% ($6.2 mil)
    Quarterly return on equity: 16.55% ($5.5 mil)
    Net income: $6.2 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 2.20% ($6,134.0 mil)
    Quarterly Pretax return on assets: 2.00% ($5,576.4 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
  • 54Total employees (full-time equivalent)
  • $278,818Total assets
  • $25,315Cash and due from depository institutions
  • $48Interest-bearing balances
  • $44,115Securities
  • $2,893Federal funds sold & reverse repurchase agreements
  • $192,436Net loans & leases
  • $1,817Loan loss allowance
  • $0Trading account assets
  • $3,456Bank premises and fixed assets
  • $741Other real estate owned
  • $2,910Goodwill and other intangibles
  • $278,818Life insurance assets
  • $6,952All other assets
  • $245,956Total liabilities and capital
  • $238,191Total liabilities
  • $228,414Total deposits
  • $238,191Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 45.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $2,720Subordinated debt
  • $32,862All other liabilities
  • $32,862Total equity capital
  • $32,862Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $800Surplus
  • $31,862Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,213Income earned, not collected on loans
  • $0Earning assets
  • $888Long-term assets (5+ years)
  • $239,492Average Assets, year-to-date
  • $62,560Average Assets, quarterly
  • $280,348Volatile liabilities
  • $276,394Insider loans
  • $175,406FHLB advances
  • $272,834Loans and leases held for sale
  • $4,526Unused loan commitments
  • $4,526Tier 1 (core) risk-based capital
  • $29,600Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,349Restructured Loans and leases
  • $6,810Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,025Total interest income
  • $2,724Total interest expense
  • $9,301Net interest income
  • $419Provision for loan and lease losses
  • $2,021Total noninterest income
  • $0Fiduciary activities
  • $983Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,038Additional noninterest income
  • $4,732Total noninterest expense
  • $2,557Salaries and employee benefits
  • $625Premises and equipment expense
  • $1,550Additional noninterest expense
  • $6,171Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $6,171Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,171Net income attributable to bank
  • $0Net charge-offs
  • $6,171Cash dividends
  • $260Sale, conversion, retirement of capital stock, net
  • $5,959Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 1.86%Noninterest expense to earning assets
  • 2.20%Net operating income to assets
  • 2.20%Return on assets (ROA)
  • 2.20%Pretax return on assets
  • 18.78%Return on equity (ROE)
  • 0.65%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 161.15%Credit loss provision to net charge-offs
  • 25.35%Efficiency ratio
  • 41,795Assets per employee
  • 5.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.56%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 149.79%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.62%Net loans and leases to deposits
  • 80.79%Net loans and leases to core deposits
  • 85.60%Equity capital to assets
  • 11.79%Core capital (leverage) ratio
  • 10.85%Tier 1 risk-based capital ratio
  • 16.88%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $280,348Average earning assets
  • $32,857Average equity
  • $254,671Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09091New Era Bank101 South Mine La Motte, Fredericktown, MO 63645January 01, 1934Full Service Brick and Mortar
    1231713Walk-Up-drive-in Branch509 West Main Street, Fredericktown, MO 63645June 27, 1966Limited Service Facility
    2231714Junction City FacilityState Highways 72 And 00, Junction City, MO 63645Febuary 25, 1977Limited Service Facility
    341545Farmington Branch11 East Liberty Street, Farmington, MO 63640January 01, 1907Full Service Brick and Mortar
    4270098207 W Main St Branch301 West Main, Park Hills, MO 63601January 01, 1887Full Service Brick and Mortar

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