Northeast Missouri State Bank in Kirksville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Northeast Missouri State Bank - Overview

  • General
  • FDIC Certificate #: 13381
    Status: Active
    Federal Reserve ID: 651158
    Bank Holding Company (Regulatory Top Holder): Schuyler County Bancshares, Inc. (RSSDID: 1100055, Location: Kirksville, MO)
    Date Established: December 20, 1933
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 8431
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 02, 1934
    Last Structure Change Effective Date: April 10, 2006
    Last Structure Change Process Date: May 09, 2006
    Last Data Update: May 09, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 South Baltimore, Kirksville, MO 63501
    County: Adair
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Kirksville, MO (#28860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $87.6 mil
    Equity capital: $13.2 mil
    Deposits held in domestic offices: $74.2 mil
    Return on assets (ROA): 1.90% ($1.7 mil)
    Quarterly return on assets: 1.76% ($1.5 mil)
    Return on Equity (ROE): 13.23% ($1.7 mil)
    Quarterly return on equity: 11.76% ($1.5 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.95% ($1,709.0 mil)
    Quarterly Pretax return on assets: 1.81% ($1,586.3 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, 2011)

  • Dollar figures in thousands
  • 16Total employees (full-time equivalent)
  • $87,640Total assets
  • $5,478Cash and due from depository institutions
  • $3,492Interest-bearing balances
  • $41,879Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $36,181Net loans & leases
  • $857Loan loss allowance
  • $0Trading account assets
  • $569Bank premises and fixed assets
  • $112Other real estate owned
  • $2,165Goodwill and other intangibles
  • $87,640Life insurance assets
  • $1,256All other assets
  • $74,417Total liabilities and capital
  • $74,208Total liabilities
  • $59,975Total deposits
  • $74,208Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $209Subordinated debt
  • $13,223All other liabilities
  • $13,223Total equity capital
  • $13,223Total bank equity capital
  • $0Perpetual preferred stock
  • $450Common stock
  • $8,320Surplus
  • $4,453Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $301Income earned, not collected on loans
  • $0Earning assets
  • $711Long-term assets (5+ years)
  • $81,552Average Assets, year-to-date
  • $26,819Average Assets, quarterly
  • $88,037Volatile liabilities
  • $87,593Insider loans
  • $43,561FHLB advances
  • $85,909Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,223Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,662Restructured Loans and leases
  • $452Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,667Total interest income
  • $666Total interest expense
  • $3,001Net interest income
  • $0Provision for loan and lease losses
  • $346Total noninterest income
  • $0Fiduciary activities
  • $314Service charges on deposit accounts
  • $0Trading account gains & fees
  • $32Additional noninterest income
  • $1,678Total noninterest expense
  • $945Salaries and employee benefits
  • $253Premises and equipment expense
  • $480Additional noninterest expense
  • $1,669Pre-tax net operating income
  • $51Securities gains (losses)
  • $49Applicable income taxes
  • $1,671Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,671Net income attributable to bank
  • $0Net charge-offs
  • $1,671Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $1,150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.48%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.66%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.05%Noninterest expense to earning assets
  • 1.84%Net operating income to assets
  • 1.90%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 13.23%Return on equity (ROE)
  • 4.12%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1669.00%Efficiency ratio
  • 48,700Assets per employee
  • 5.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.82%Loss allowance to loans
  • 2.31%Loss allowance to noncurrent loans
  • 284.72%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.81%Net loans and leases to deposits
  • 48.76%Net loans and leases to core deposits
  • 49.53%Equity capital to assets
  • 15.09%Core capital (leverage) ratio
  • 11.90%Tier 1 risk-based capital ratio
  • 23.47%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $88,037Average earning assets
  • $12,632Average equity
  • $81,929Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08431Northeast Missouri State Bank600 South Baltimore, Kirksville, MO 63501December 20, 1933Full Service Brick and Mortar
    45471La Plata State Bank BranchSouth Gex At Sanders, La Plata, MO 63549January 21, 1932Full Service Brick and Mortar

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