Phelps County Bank in Rolla, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Phelps County Bank - Overview

  • General
  • FDIC Certificate #: 18841
    Status: Active
    Federal Reserve ID: 342054
    Bank Holding Company (Regulatory Top Holder): Phelps County Bank Employee Stock Ownership Plan (RSSDID: 1249600, Location: Rolla, MO)
    Date Established: August 01, 1963
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 10263
    FDIC's unique #: 12697
    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: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: August 01, 1963
    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: 718 North Pine Street, Rolla, MO 65401
    County: Phelps
    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): Rolla, MO (#40620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $298.4 mil
    Equity capital: $23.6 mil
    Deposits held in domestic offices: $268.9 mil
    Return on assets (ROA): 1.53% ($4.6 mil)
    Quarterly return on assets: 1.53% ($4.6 mil)
    Return on Equity (ROE): 19.30% ($4.6 mil)
    Quarterly return on equity: 18.92% ($4.5 mil)
    Net income: $4.3 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.53% ($4,565.6 mil)
    Quarterly Pretax return on assets: 1.53% ($4,565.6 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
  • 81Total employees (full-time equivalent)
  • $298,408Total assets
  • $21,498Cash and due from depository institutions
  • $15,500Interest-bearing balances
  • $104,458Securities
  • $2,845Federal funds sold & reverse repurchase agreements
  • $161,753Net loans & leases
  • $1,733Loan loss allowance
  • $0Trading account assets
  • $4,937Bank premises and fixed assets
  • $353Other real estate owned
  • $0Goodwill and other intangibles
  • $298,408Life insurance assets
  • $2,564All other assets
  • $274,837Total liabilities and capital
  • $268,909Total liabilities
  • $233,454Total deposits
  • $268,909Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 4774.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $154Subordinated debt
  • $23,571All other liabilities
  • $23,571Total equity capital
  • $23,571Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $2,763Surplus
  • $20,058Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $290Income earned, not collected on loans
  • $249Earning assets
  • $1,025Long-term assets (5+ years)
  • $284,556Average Assets, year-to-date
  • $110,707Average Assets, quarterly
  • $281,271Volatile liabilities
  • $293,428Insider loans
  • $141,810FHLB advances
  • $288,927Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,666Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,517Restructured Loans and leases
  • $1,838Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,308Total interest income
  • $2,584Total interest expense
  • $9,724Net interest income
  • $540Provision for loan and lease losses
  • $2,795Total noninterest income
  • $0Fiduciary activities
  • $1,245Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,550Additional noninterest income
  • $8,089Total noninterest expense
  • $4,265Salaries and employee benefits
  • $1,159Premises and equipment expense
  • $2,665Additional noninterest expense
  • $3,890Pre-tax net operating income
  • $427Securities gains (losses)
  • $11Applicable income taxes
  • $4,306Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,306Net income attributable to bank
  • $0Net charge-offs
  • $4,306Cash dividends
  • $555Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.62%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 19.30%Return on equity (ROE)
  • 10.33%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 97.30%Credit loss provision to net charge-offs
  • 7.98%Efficiency ratio
  • 64,614Assets per employee
  • 3.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.45%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 597.59%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 60.15%Net loans and leases to core deposits
  • 61.55%Equity capital to assets
  • 7.90%Core capital (leverage) ratio
  • 7.15%Tier 1 risk-based capital ratio
  • 14.57%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $281,271Average earning assets
  • $22,317Average equity
  • $268,988Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012697Phelps County Bank718 North Pine Street, Rolla, MO 65401August 01, 1963Full Service Brick and Mortar
    1246617Drive-In FacilityHighway 72 And Salem Avenue, Rolla, MO 65401April 15, 1974Full Service Brick and Mortar
    29529St. James Branch220 N. Jefferson, Saint James, MO 65559May 09, 1935Full Service Brick and Mortar
    3246618Phelps County Bank - Umr Branch718 N. Pine Street, Rolla, MO 65409August 08, 1983Limited Service Facility

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