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


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
  • NoIDNameAddressEstablishedService TypeMap
    06812Preferred Bank205 Main St, Rothville, MO 64676January 08, 1904Full Service Brick and Mortar
    1222802Marceline Branch1719 North Missouri, Marceline, MO 64658August 16, 1995Full Service Brick and Mortar
    2222803Brookfield BranchRoute 2, Highway 11 South, Brookfield, MO 64628August 17, 1998Full Service Brick and Mortar
    3248914Melody Lane Branch601 S.E. Melody Lane, Lee's Summit, MO 64063Febuary 13, 1989Full Service Brick and Mortar

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