PATRIOTS BANK in Liberty, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • PATRIOTS BANK in Liberty, Missouri (MO)
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  • General
  • FDIC Certificate #: 57651
    Status: Active
    Federal Reserve ID: 3198980
    Bank Holding Company (Regulatory Top Holder): Liberty First Bancshares, Inc. (RSSDID: 3202195, Location: Liberty, MO)
    Date Established: November 05, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 419113
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 05, 2003
    Last Structure Change Effective Date: June 13, 2011
    Last Structure Change Process Date: June 13, 2011
    Last Data Update: June 13, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 913 West Liberty Drive, Liberty, MO 64068
    County: Clay
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $85.1 mil
    Equity capital: $8.3 mil
    Deposits held in domestic offices: $76.5 mil
    Return on assets (ROA): -9.67% (-$8.2 mil)
    Quarterly return on assets: -5.24% (-$4.5 mil)
    Return on Equity (ROE): -64.89% (-$5.2 mil)
    Quarterly return on equity: -50.52% (-$4.0 mil)
    Net income: -$9.0 mil
    Quarterly Net income: -$1.1 mil
    Pretax return on assets: -9.67% (-$8,226.8 mil)
    Quarterly Pretax return on assets: -5.24% (-$4,458.0 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
  • 36Total employees (full-time equivalent)
  • $85,076Total assets
  • $10,970Cash and due from depository institutions
  • $10,085Interest-bearing balances
  • $5,096Securities
  • $1,303Federal funds sold & reverse repurchase agreements
  • $56,021Net loans & leases
  • $811Loan loss allowance
  • $0Trading account assets
  • $2,341Bank premises and fixed assets
  • $8,087Other real estate owned
  • $413Goodwill and other intangibles
  • $85,076Life insurance assets
  • $845All other assets
  • $76,794Total liabilities and capital
  • $76,489Total liabilities
  • $57,994Total deposits
  • $76,489Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $305Subordinated debt
  • $8,282All other liabilities
  • $8,282Total equity capital
  • $8,282Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $20,803Surplus
  • $-15,021Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $684Income earned, not collected on loans
  • $0Earning assets
  • $242Long-term assets (5+ years)
  • $72,505Average Assets, year-to-date
  • $3,121Average Assets, quarterly
  • $93,101Volatile liabilities
  • $85,352Insider loans
  • $65,817FHLB advances
  • $85,841Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,655Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,198Restructured Loans and leases
  • $1,333Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,661Total interest income
  • $488Total interest expense
  • $3,173Net interest income
  • $325Provision for loan and lease losses
  • -$563Total noninterest income
  • $0Fiduciary activities
  • $147Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$710Additional noninterest income
  • $11,289Total noninterest expense
  • $1,773Salaries and employee benefits
  • $566Premises and equipment expense
  • $8,950Additional noninterest expense
  • -$9,004Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$9,004Income before extraordinary items
  • $0Extraordinary gains - net
  • -$9,004Net income attributable to bank
  • $0Net charge-offs
  • -$9,004Cash dividends
  • $340Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 4.25%Net interest margin
  • -0.75%Noninterest income to earning assets
  • 15.11%Noninterest expense to earning assets
  • -9.67%Net operating income to assets
  • -9.67%Return on assets (ROA)
  • -9.67%Pretax return on assets
  • -64.89%Return on equity (ROE)
  • -64.89%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 95.59%Credit loss provision to net charge-offs
  • -25.53%Efficiency ratio
  • 132,835Assets per employee
  • 2.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 118.57%Noncurrent assets plus other real estate owned to assets
  • 10.31%Noncurrent loans to loans
  • 1.20%Net loans and leases to deposits
  • 73.24%Net loans and leases to core deposits
  • 75.20%Equity capital to assets
  • 9.73%Core capital (leverage) ratio
  • 8.92%Tier 1 risk-based capital ratio
  • 11.63%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $93,101Average earning assets
  • $13,875Average equity
  • $74,707Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0419113Patriots Bank913 West Liberty Drive, Liberty, MO 64068November 05, 2003Full Service Brick and Mortar
    1440481Patriots Bank - Kansas City Branch6500 Nw Prairie View Road, Kansas City, MO 64151May 02, 2005Full Service Brick and Mortar
    211179Park Bank Branch12 East First Street, Parkville, MO 64152July 11, 1911Full Service Brick and Mortar
    313196Riverside Branch4438 N.W. Gateway, Riverside, MO 64168December 21, 1954Full Service Brick and Mortar

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