Providence Bank in Columbia, Missouri (MO), TX
Overview, Financial Summary, Detailed Financial Reports, Branches


Providence Bank - Overview

  • General
  • FDIC Certificate #: 1643
    Status: Active
    Federal Reserve ID: 704755
    Bank Holding Company (Regulatory Top Holder): Linco Bancshares, Inc. (RSSDID: 3523359, Location: Columbia, MO)
    Date Established: July 08, 1888
    WWW: http://www.myprovidencebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 13 (Domestic: 13, Interstate: Yes)
    FDIC's unique #: 1079
    Numeric code: 13
    Regulator: FED
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 15, 2010
    Last Structure Change Process Date: October 18, 2010
    Last Data Update: October 18, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 3855 Forum Boulevard, Columbia, MO 65203
    County: Boone
    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
    Metropolitan Statistical Area (MSA): Columbia, MO (#1740)
    Core Based Statistical Area (CBSA): Columbia, MO (#17860)
    CBSA Metro Statistical Area: Columbia, MO (#17860)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
    Change in Location
  • Financial Summary
  • Total assets: $670.4 mil
    Equity capital: $94.4 mil
    Deposits held in domestic offices: $564.2 mil
    Return on assets (ROA): -0.72% (-$4.8 mil)
    Quarterly return on assets: -3.87% (-$25.9 mil)
    Return on Equity (ROE): -5.29% (-$5.0 mil)
    Quarterly return on equity: -26.72% (-$25.1 mil)
    Net income: -$5.3 mil
    Quarterly Net income: -$6.5 mil
    Pretax return on assets: -0.72% (-$4,827.1 mil)
    Quarterly Pretax return on assets: -3.87% (-$25,945.6 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
  • 191Total employees (full-time equivalent)
  • $670,430Total assets
  • $86,923Cash and due from depository institutions
  • $84,325Interest-bearing balances
  • $123,330Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $352,280Net loans & leases
  • $7,613Loan loss allowance
  • $0Trading account assets
  • $20,186Bank premises and fixed assets
  • $14,750Other real estate owned
  • $6,581Goodwill and other intangibles
  • $670,430Life insurance assets
  • $66,380All other assets
  • $576,008Total liabilities and capital
  • $564,176Total liabilities
  • $527,617Total deposits
  • $564,176Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,832Subordinated debt
  • $94,422All other liabilities
  • $94,422Total equity capital
  • $94,422Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $89,056Surplus
  • $5,116Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $70,724Income earned, not collected on loans
  • $0Earning assets
  • $1,689Long-term assets (5+ years)
  • $559,935Average Assets, year-to-date
  • $35,591Average Assets, quarterly
  • $736,601Volatile liabilities
  • $674,175Insider loans
  • $279,793FHLB advances
  • $674,812Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $87,367Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,850Restructured Loans and leases
  • $301Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $36,107Total interest income
  • $5,275Total interest expense
  • $30,832Net interest income
  • $14,512Provision for loan and lease losses
  • $2,126Total noninterest income
  • $0Fiduciary activities
  • $521Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,605Additional noninterest income
  • $23,713Total noninterest expense
  • $10,314Salaries and employee benefits
  • $2,293Premises and equipment expense
  • $11,106Additional noninterest expense
  • -$5,267Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • -$5,275Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,275Net income attributable to bank
  • $0Net charge-offs
  • -$5,275Cash dividends
  • $10,586Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.87%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 5.02%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 3.86%Noninterest expense to earning assets
  • -0.72%Net operating income to assets
  • -0.72%Return on assets (ROA)
  • -0.72%Pretax return on assets
  • -5.29%Return on equity (ROE)
  • -5.69%Retained earnings to average equity (YTD only)
  • 2.76%Net charge-offs to loans
  • 137.09%Credit loss provision to net charge-offs
  • 0.87%Efficiency ratio
  • 68,084Assets per employee
  • 3.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -7.58%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 10.76%Noncurrent assets plus other real estate owned to assets
  • 12.75%Noncurrent loans to loans
  • 19.65%Net loans and leases to deposits
  • 62.44%Net loans and leases to core deposits
  • 67.34%Equity capital to assets
  • 14.08%Core capital (leverage) ratio
  • 12.95%Tier 1 risk-based capital ratio
  • 31.23%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $736,601Average earning assets
  • $99,670Average equity
  • $614,672Average loans

List of branches

  • 12 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01079Providence Bank3855 Forum Boulevard, Columbia, MO 65203July 08, 1888Full Service Brick and Mortar
    1479071Elsberry Branch301 Broadway, Elsberry, MO 63343Febuary 14, 2008Full Service Brick and Mortar
    2479072Winfield Branch4001 East Highway 47, Winfield, MO 63389December 22, 2006Full Service Brick and Mortar
    3489494Columbia Branch8 North 5th Street, Columbia, MO 65201December 30, 2008Full Service Brick and Mortar
    455594Stadium Blvd Branch815 West Stadium Boulevard, Jefferson City, MO 65109May 15, 1995Full Service Brick and Mortar
    5424310Missouri Blvd Branch3525 Missouri Boulevard, Jefferson City, MO 65109November 24, 2003Full Service Brick and Mortar
    6428110Saint Peters Branch295 Salt Lick Road, Saint Peters, MO 63376April 26, 2004Full Service Brick and Mortar
    7439995Saint Charles Branch1001 South Fifth Street, Saint Charles, MO 63301April 15, 2005Full Service Brick and Mortar
    8444884Ellis Blvd Branch300 Ellis Boulevard, Jefferson City, MO 65101September 15, 2005Full Service Brick and Mortar
    10451663Lake St. Louis Branch6253 Ronald Reagan Drive, Lake Saint Louis, MO 63367May 22, 2006Full Service Retail
    11455245Chesterfield Branch100 Chesterfield Business Parkway, Chesterfield, MO 63005September 13, 2006Full Service Brick and Mortar
    12455617Osage Beach Branch995 Kk Drive, Osage Beach, MO 65065October 02, 2006Full Service Brick and Mortar
  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    932624Grapevine Branch1115 South Main Street, Grapevine, TX 76051May 16, 1985Full Service Brick and Mortar

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