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

  • Palmyra State Bank in Palmyra, Missouri (MO)
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Palmyra State Bank - Overview

  • General
  • FDIC Certificate #: 14492
    Status: Active
    Federal Reserve ID: 697156
    Bank Holding Company (Regulatory Top Holder): Byron B. Webb, Inc. (RSSDID: 1094480, Location: San Diego, CA)
    Date Established: June 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 15595
    FDIC's unique #: 9055
    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: June 20, 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: 400 South Main Street, Palmyra, MO 63461
    County: Marion
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: San Francisco
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $152.1 mil
    Equity capital: $14.0 mil
    Deposits held in domestic offices: $129.2 mil
    Return on assets (ROA): 1.52% ($2.3 mil)
    Quarterly return on assets: 1.77% ($2.7 mil)
    Return on Equity (ROE): 16.46% ($2.3 mil)
    Quarterly return on equity: 18.92% ($2.6 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.53% ($2,327.1 mil)
    Quarterly Pretax return on assets: 1.77% ($2,692.2 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
  • 41Total employees (full-time equivalent)
  • $152,100Total assets
  • $11,989Cash and due from depository institutions
  • $8,197Interest-bearing balances
  • $24,267Securities
  • $1,800Federal funds sold & reverse repurchase agreements
  • $105,197Net loans & leases
  • $1,129Loan loss allowance
  • $0Trading account assets
  • $4,765Bank premises and fixed assets
  • $523Other real estate owned
  • $0Goodwill and other intangibles
  • $152,100Life insurance assets
  • $3,559All other assets
  • $138,100Total liabilities and capital
  • $129,150Total liabilities
  • $107,905Total deposits
  • $129,150Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,241Trading liabilities
  • $0Other borrowed funds
  • $1,709Subordinated debt
  • $14,000All other liabilities
  • $14,000Total equity capital
  • $14,000Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $600Surplus
  • $12,800Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $133Income earned, not collected on loans
  • $0Earning assets
  • $1,161Long-term assets (5+ years)
  • $139,461Average Assets, year-to-date
  • $47,849Average Assets, quarterly
  • $143,764Volatile liabilities
  • $147,993Insider loans
  • $121,869FHLB advances
  • $146,584Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,622Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,287Restructured Loans and leases
  • $2,971Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,975Total interest income
  • $1,366Total interest expense
  • $5,609Net interest income
  • $158Provision for loan and lease losses
  • $1,066Total noninterest income
  • $0Fiduciary activities
  • $387Service charges on deposit accounts
  • $0Trading account gains & fees
  • $679Additional noninterest income
  • $4,409Total noninterest expense
  • $2,597Salaries and employee benefits
  • $589Premises and equipment expense
  • $1,223Additional noninterest expense
  • $2,108Pre-tax net operating income
  • $90Securities gains (losses)
  • $9Applicable income taxes
  • $2,189Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,189Net income attributable to bank
  • $0Net charge-offs
  • $2,189Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $1,260Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 4.26%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 1.46%Net operating income to assets
  • 1.52%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 16.46%Return on equity (ROE)
  • 6.98%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 509.68%Credit loss provision to net charge-offs
  • 73.10%Efficiency ratio
  • 66,052Assets per employee
  • 3.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.56%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 848.87%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 81.45%Net loans and leases to core deposits
  • 82.46%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 9.29%Tier 1 risk-based capital ratio
  • 11.18%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $143,764Average earning assets
  • $13,301Average equity
  • $131,815Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09055Palmyra State Bank400 South Main Street, Palmyra, MO 63461June 01, 1934Full Service Brick and Mortar
    1231557West Quincy BranchHighway 24, West Quincy, MO 63471January 09, 1975Full Service Brick and Mortar
    3428132Hannibal Branch3817 Mcmasters Avenue, Hannibal, MO 63401April 23, 2004Full Service Brick and Mortar

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