Normandy Bank in city_name, state_name - Detailed Financial Reports, Location

Normandy Bank in Northwoods, Missouri (MO)
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Normandy Bank - Overview

General
FDIC Certificate #: 1063
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Keystone Bank (#19435)
Federal Reserve ID: 940955
Date Established: January 29, 1929
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 11056
FDIC's unique #: 713
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: January 01, 1934
Last Structure Change Effective Date: June 14, 2003
Last Structure Change Process Date: July 21, 2003
Last Data Update: July 21, 2003
Data Source Date: April 05, 2012
Location
Address: 7151 Natural Bridge Road, Northwoods, MO 63121
County: St. Louis
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
Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
Financial Summary
Total assets: $70.3 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, 2002)

Dollar figures in thousands
42Total employees (full-time equivalent)
$70,452Total assets
$3,146Cash and due from depository institutions
$196Interest-bearing balances
$33,066Securities
$2,875Federal funds sold & reverse repurchase agreements
$28,847Net loans & leases
$736Loan loss allowance
$0Trading account assets
$955Bank premises and fixed assets
$59Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,504All other assets
$70,452Total liabilities and capital
$64,044Total liabilities
$58,187Total deposits
$45,974Interest-bearing deposits
$58,187Deposits held in domestic offices
0.00%% insured (estimated)
$4,117Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,397Other borrowed funds
$0Subordinated debt
$343All other liabilities
$6,408Total equity capital
$6,408Total bank equity capital
$6,408Perpetual preferred stock
$6Common stock
$400Surplus
$600Undivided profits
Memoranda
$5,402Noncurrent loans and leases
$2,184Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$630Earning assets
$0Long-term assets (5+ years)
$429Average Assets, year-to-date
$64,984Average Assets, quarterly
$29,602Volatile liabilities
$69,580Insider loans
$70,806FHLB advances
$8,384Loans and leases held for sale
$1,198Unused loan commitments
$1,397Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,184Total unused commitments
$0Restructured Loans and leases
$508Derivatives

Income and Expense (December 31, 2002)

Dollar figures in thousands
$3,855Total interest income
$1,172Total interest expense
$2,683Net interest income
$257Provision for loan and lease losses
$946Total noninterest income
$0Fiduciary activities
$900Service charges on deposit accounts
$0Trading account gains & fees
$46Additional noninterest income
$2,984Total noninterest expense
$1,560Salaries and employee benefits
$265Premises and equipment expense
$1,159Additional noninterest expense
$388Pre-tax net operating income
$0Securities gains (losses)
$30Applicable income taxes
$358Income before extraordinary items
$0Extraordinary gains - net
$358Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$258Sale, conversion, retirement of capital stock, net
$16Net operating income

Performance and Condition Ratios (December 31, 2002)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.03%Yield on earning assets
1.83%Cost of funding earning assets
4.20%Net interest margin
1.48%Noninterest income to earning assets
4.67%Noninterest expense to earning assets
0.51%Net operating income to assets
0.51%Return on assets (ROA)
0.56%Pretax return on assets
5.82%Return on equity (ROE)
5.56%Retained earnings to average equity (YTD only)
0.79%Net charge-offs to loans
99.61%Credit loss provision to net charge-offs
2.50%Efficiency ratio
82,227Assets per employee
1.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
4.47%Loss allowance to loans
2.49%Loss allowance to noncurrent loans
116.83%Noncurrent assets plus other real estate owned to assets
0.98%Noncurrent loans to loans
2.13%Net loans and leases to deposits
49.58%Net loans and leases to core deposits
53.50%Equity capital to assets
9.10%Core capital (leverage) ratio
8.64%Tier 1 risk-based capital ratio
15.24%Total risk-based capital ratio
Memoranda
$16Average assets
$69,580Average earning assets
$6,152Average equity
$63,957Average loans

Normandy Bank in Northwoods, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Normandy Bank - Overview

Assets and Liabilities (December 31, 2002)

Income and Expense (December 31, 2002)

Performance and Condition Ratios (December 31, 2002)

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Normandy Bank in Northwoods, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

Normandy Bank - Overview

Assets and Liabilities (December 31, 2002)

Income and Expense (December 31, 2002)

Performance and Condition Ratios (December 31, 2002)

Comment about this bank, ask questions, or add new information about it:

Normandy Bank in Northwoods, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches