O'Bannon Banking Company in Buffalo, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

O'Bannon Banking Company - Overview

  • General
  • FDIC Certificate #: 8295
    Status: Active
    Federal Reserve ID: 955940
    Bank Holding Company (Regulatory Top Holder): Buffalo Bancshares, Inc. (RSSDID: 1143968, Location: Buffalo, MO)
    Date Established: November 20, 1905
    WWW: http://www.obannonbank.com
    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 #: 12745
    FDIC's unique #: 5294
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 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: 119 South Maple, Buffalo, MO 65622
    County: Dallas
    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): Springfield, MO (#44180)
    CBSA Metro Statistical Area: Springfield, MO (#44180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $148.2 mil
    Equity capital: $13.6 mil
    Deposits held in domestic offices: $130.8 mil
    Return on assets (ROA): 0.76% ($1.1 mil)
    Quarterly return on assets: 1.05% ($1.6 mil)
    Return on Equity (ROE): 8.58% ($1.2 mil)
    Quarterly return on equity: 11.50% ($1.6 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.05% ($1,556.6 mil)
    Quarterly Pretax return on assets: 1.14% ($1,690.0 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
  • 51Total employees (full-time equivalent)
  • $148,249Total assets
  • $3,963Cash and due from depository institutions
  • $223Interest-bearing balances
  • $21,487Securities
  • $9,704Federal funds sold & reverse repurchase agreements
  • $105,386Net loans & leases
  • $1,647Loan loss allowance
  • $0Trading account assets
  • $3,038Bank premises and fixed assets
  • $2,672Other real estate owned
  • $0Goodwill and other intangibles
  • $148,249Life insurance assets
  • $1,999All other assets
  • $134,685Total liabilities and capital
  • $130,845Total liabilities
  • $110,923Total deposits
  • $130,845Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $840Subordinated debt
  • $13,564All other liabilities
  • $13,564Total equity capital
  • $13,564Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $800Surplus
  • $12,364Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,146Income earned, not collected on loans
  • $0Earning assets
  • $804Long-term assets (5+ years)
  • $136,800Average Assets, year-to-date
  • $16,831Average Assets, quarterly
  • $147,070Volatile liabilities
  • $146,978Insider loans
  • $103,614FHLB advances
  • $146,449Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,350Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,917Restructured Loans and leases
  • $1,422Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,372Total interest income
  • $1,551Total interest expense
  • $5,821Net interest income
  • $536Provision for loan and lease losses
  • $661Total noninterest income
  • $0Fiduciary activities
  • $495Service charges on deposit accounts
  • $0Trading account gains & fees
  • $166Additional noninterest income
  • $4,407Total noninterest expense
  • $2,336Salaries and employee benefits
  • $593Premises and equipment expense
  • $1,478Additional noninterest expense
  • $1,539Pre-tax net operating income
  • $0Securities gains (losses)
  • $416Applicable income taxes
  • $1,123Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,123Net income attributable to bank
  • $0Net charge-offs
  • $1,123Cash dividends
  • $250Sale, conversion, retirement of capital stock, net
  • $380Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.43%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 4.29%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 8.58%Return on equity (ROE)
  • 5.67%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 214.40%Credit loss provision to net charge-offs
  • 8.30%Efficiency ratio
  • 67,988Assets per employee
  • 2.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.84%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 76.75%Noncurrent assets plus other real estate owned to assets
  • 3.25%Noncurrent loans to loans
  • 2.00%Net loans and leases to deposits
  • 80.54%Net loans and leases to core deposits
  • 85.17%Equity capital to assets
  • 9.15%Core capital (leverage) ratio
  • 9.12%Tier 1 risk-based capital ratio
  • 12.88%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $147,070Average earning assets
  • $13,094Average equity
  • $135,690Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05294O'bannon Banking Company119 South Maple, Buffalo, MO 65622November 20, 1905Full Service Brick and Mortar
    3218262Buffalo Branch1347 S. Ash Street, Buffalo, MO 65622April 26, 1999Full Service Brick and Mortar
    4365768Strafford Branch201 S. State Hwy 125, Strafford, MO 65757December 16, 2002Full Service Brick and Mortar
    5423307Fair Grove Branch101 North Union Grove Road, Fair Grove, MO 65648October 14, 2003Full Service Brick and Mortar
    6507787O'bannon Banking Company Pleasant Ho5492 S. Hwy H, Suite H, Pleasant Hope, MO 65725Febuary 18, 2010Full Service Brick and Mortar

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