Preferred Bank in city_name, state_name - Detailed Financial Reports, Location

Preferred Bank in Rothville, Missouri (MO)
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Preferred Bank routing number info

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Preferred Bank - Overview

General
FDIC Certificate #: 10628
Status: Active
Federal Reserve ID: 252452
Bank Holding Company (Regulatory Top Holder): Bor Bancorp (RSSDID: 3468209, Location: Rothville, MO)
Date Established: January 08, 1904
WWW: http://www.mypfbank.com
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 #: 13674
FDIC's unique #: 6812
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 23, 2010
Last Structure Change Process Date: July 26, 2010
Last Data Update: July 26, 2010
Data Source Date: April 05, 2012
Location
Address: 205 Main St, Rothville, MO 64676
County: Chariton
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Columbia Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of Changes
Office Purchased
Financial Summary
Total assets: $75.4 mil
Equity capital: $7.7 mil
Deposits held in domestic offices: $66.9 mil
Return on assets (ROA): 2.10% ($1.6 mil)
Quarterly return on assets: 2.87% ($2.2 mil)
Return on Equity (ROE): 21.63% ($1.7 mil)
Quarterly return on equity: 28.02% ($2.2 mil)
Net income: $1.5 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 2.10% ($1,584.2 mil)
Quarterly Pretax return on assets: 2.87% ($2,165.0 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
21Total employees (full-time equivalent)
$75,436Total assets
$4,579Cash and due from depository institutions
$2,156Interest-bearing balances
$30,681Securities
$0Federal funds sold & reverse repurchase agreements
$35,993Net loans & leases
$368Loan loss allowance
$0Trading account assets
$3,042Bank premises and fixed assets
$17Other real estate owned
$275Goodwill and other intangibles
$75,436Life insurance assets
$849All other assets
$67,776Total liabilities and capital
$66,904Total liabilities
$53,775Total deposits
$66,904Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$800Trading liabilities
$0Other borrowed funds
$72Subordinated debt
$7,660All other liabilities
$7,660Total equity capital
$7,660Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$4,974Surplus
$2,685Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$390Income earned, not collected on loans
$0Earning assets
$451Long-term assets (5+ years)
$68,830Average Assets, year-to-date
$43,247Average Assets, quarterly
$73,647Volatile liabilities
$74,480Insider loans
$40,063FHLB advances
$75,411Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,576Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,790Restructured Loans and leases
$899Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,209Total interest income
$477Total interest expense
$2,732Net interest income
$4Provision for loan and lease losses
$508Total noninterest income
$0Fiduciary activities
$318Service charges on deposit accounts
$0Trading account gains & fees
$190Additional noninterest income
$2,057Total noninterest expense
$847Salaries and employee benefits
$375Premises and equipment expense
$835Additional noninterest expense
$1,179Pre-tax net operating income
$365Securities gains (losses)
$0Applicable income taxes
$1,544Income before extraordinary items
$0Extraordinary gains - net
$1,544Net income attributable to bank
$0Net charge-offs
$1,544Cash dividends
$175Sale, conversion, retirement of capital stock, net
$1,292Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.75%Yield on earning assets
0.71%Cost of funding earning assets
4.04%Net interest margin
0.75%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
1.60%Net operating income to assets
2.10%Return on assets (ROA)
2.10%Pretax return on assets
21.63%Return on equity (ROE)
3.53%Retained earnings to average equity (YTD only)
0.47%Net charge-offs to loans
2.29%Credit loss provision to net charge-offs
6.76%Efficiency ratio
62,284Assets per employee
3.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.68%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
94.36%Noncurrent assets plus other real estate owned to assets
0.54%Noncurrent loans to loans
1.07%Net loans and leases to deposits
53.80%Net loans and leases to core deposits
53.80%Equity capital to assets
10.15%Core capital (leverage) ratio
8.72%Tier 1 risk-based capital ratio
16.41%Total risk-based capital ratio
Memoranda
$17Average assets
$73,647Average earning assets
$7,139Average equity
$67,567Average loans

List of branches

4 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6812	Preferred Bank	205 Main St, Rothville, MO 64676	January 08, 1904	Full Service Brick and Mortar
1	222802	Marceline Branch	1719 North Missouri, Marceline, MO 64658	August 16, 1995	Full Service Brick and Mortar
2	222803	Brookfield Branch	Route 2, Highway 11 South, Brookfield, MO 64628	August 17, 1998	Full Service Brick and Mortar
3	248914	Melody Lane Branch	601 S.E. Melody Lane, Lee's Summit, MO 64063	Febuary 13, 1989	Full Service Brick and Mortar

Preferred Bank in Rothville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Preferred Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Preferred Bank in Rothville, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

Preferred Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Preferred Bank in Rothville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches