Palmyra Savings in Palmyra, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 23, 2002

  • Palmyra Savings in Palmyra, Missouri (MO)
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Palmyra Savings - Overview

  • General
  • FDIC Certificate #: 29932
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Federal Bank (#29245)
    Federal Reserve ID: 923275
    Date Established: January 01, 1887
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4368
    FDIC's unique #: 42766
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: April 07, 1938
    Last Structure Change Effective Date: November 23, 2002
    Last Structure Change Process Date: November 27, 2002
    Last Data Update: November 27, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 123 West Lafayette, Palmyra, MO 63461
    County: Marion
    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
    Core Based Statistical Area (CBSA): Hannibal, MO (#25300)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $73.4 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, 2001)

  • Dollar figures in thousands
  • 18Total employees (full-time equivalent)
  • $71,237Total assets
  • $4,762Cash and due from depository institutions
  • $4,547Interest-bearing balances
  • $13,922Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $50,588Net loans & leases
  • $315Loan loss allowance
  • $0Trading account assets
  • $1,008Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $957All other assets
  • $71,237Total liabilities and capital
  • $62,937Total liabilities
  • $62,414Total deposits
  • $62,374Interest-bearing deposits
  • $62,414Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $523All other liabilities
  • $8,300Total equity capital
  • $8,300Total bank equity capital
  • $8,300Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $2,503Undivided profits
  • Memoranda
  • $5,796Noncurrent loans and leases
  • $3,070Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $317Earning assets
  • $0Long-term assets (5+ years)
  • $407Average Assets, year-to-date
  • $69,057Average Assets, quarterly
  • $0Volatile liabilities
  • $69,274Insider loans
  • $70,631FHLB advances
  • $4,669Loans and leases held for sale
  • $50Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,070Total unused commitments
  • $22Restructured Loans and leases
  • $315Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $4,717Total interest income
  • $3,023Total interest expense
  • $1,694Net interest income
  • $40Provision for loan and lease losses
  • $82Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $82Additional noninterest income
  • $1,423Total noninterest expense
  • $875Salaries and employee benefits
  • $272Premises and equipment expense
  • $276Additional noninterest expense
  • $313Pre-tax net operating income
  • $11Securities gains (losses)
  • $79Applicable income taxes
  • $245Income before extraordinary items
  • $0Extraordinary gains - net
  • $245Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.04%Yield on earning assets
  • 4.51%Cost of funding earning assets
  • 2.53%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.13%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 3.00%Return on equity (ROE)
  • 3.00%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 800.00%Credit loss provision to net charge-offs
  • 70.60%Efficiency ratio
  • 80,124Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.62%Loss allowance to noncurrent loans
  • 99.37%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.62%Net loans and leases to deposits
  • 81.05%Net loans and leases to core deposits
  • 87.61%Equity capital to assets
  • 11.65%Core capital (leverage) ratio
  • 11.76%Tier 1 risk-based capital ratio
  • 22.99%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $69,274Average earning assets
  • $8,177Average equity
  • $66,962Average loans

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