Putnam County State Bank in Unionville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Putnam County State Bank - Overview

  • General
  • FDIC Certificate #: 22895
    Status: Active
    Federal Reserve ID: 382658
    Bank Holding Company (Regulatory Top Holder): Putnam County Bancshares, Inc. (RSSDID: 1820746, Location: Unionville, MO)
    Date Established: July 05, 1979
    WWW: http://www.putnamcountystatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 16004
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: July 05, 1979
    Last Structure Change Effective Date: May 09, 2007
    Last Structure Change Process Date: May 16, 2007
    Last Data Update: May 16, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1522 Main Street, Unionville, MO 63565
    County: Putnam
    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
  • Financial Summary
  • Total assets: $136.6 mil
    Equity capital: $14.0 mil
    Deposits held in domestic offices: $118.3 mil
    Return on assets (ROA): 1.46% ($2.0 mil)
    Quarterly return on assets: 1.42% ($1.9 mil)
    Return on Equity (ROE): 14.59% ($2.0 mil)
    Quarterly return on equity: 13.49% ($1.9 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 2.29% ($3,129.2 mil)
    Quarterly Pretax return on assets: 2.05% ($2,801.3 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
  • 23Total employees (full-time equivalent)
  • $136,648Total assets
  • $11,415Cash and due from depository institutions
  • $7,657Interest-bearing balances
  • $8,351Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $112,928Net loans & leases
  • $1,355Loan loss allowance
  • $0Trading account assets
  • $614Bank premises and fixed assets
  • $67Other real estate owned
  • $0Goodwill and other intangibles
  • $136,648Life insurance assets
  • $3,273All other assets
  • $122,690Total liabilities and capital
  • $118,311Total liabilities
  • $105,556Total deposits
  • $118,311Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $379Subordinated debt
  • $13,958All other liabilities
  • $13,958Total equity capital
  • $13,958Total bank equity capital
  • $0Perpetual preferred stock
  • $370Common stock
  • $500Surplus
  • $13,088Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $733Income earned, not collected on loans
  • $0Earning assets
  • $1,787Long-term assets (5+ years)
  • $128,936Average Assets, year-to-date
  • $2,107Average Assets, quarterly
  • $133,508Volatile liabilities
  • $133,122Insider loans
  • $113,232FHLB advances
  • $133,530Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,958Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,612Restructured Loans and leases
  • $2,685Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,865Total interest income
  • $2,082Total interest expense
  • $4,783Net interest income
  • $160Provision for loan and lease losses
  • $581Total noninterest income
  • $0Fiduciary activities
  • $504Service charges on deposit accounts
  • $0Trading account gains & fees
  • $77Additional noninterest income
  • $2,140Total noninterest expense
  • $1,203Salaries and employee benefits
  • $183Premises and equipment expense
  • $754Additional noninterest expense
  • $3,064Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,117Applicable income taxes
  • $1,947Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,947Net income attributable to bank
  • $0Net charge-offs
  • $1,947Cash dividends
  • $102Sale, conversion, retirement of capital stock, net
  • $485Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.42%Yield on earning assets
  • 1.64%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 1.69%Noninterest expense to earning assets
  • 1.46%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 2.29%Pretax return on assets
  • 14.59%Return on equity (ROE)
  • 10.95%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 156.86%Credit loss provision to net charge-offs
  • 31.61%Efficiency ratio
  • 39,896Assets per employee
  • 5.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.91%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 184.86%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 0.64%Net loans and leases to deposits
  • 95.45%Net loans and leases to core deposits
  • 103.23%Equity capital to assets
  • 10.21%Core capital (leverage) ratio
  • 10.45%Tier 1 risk-based capital ratio
  • 12.33%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $133,508Average earning assets
  • $13,346Average equity
  • $126,615Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016004Putnam County State Bank1522 Main Street, Unionville, MO 63565July 05, 1979Full Service Brick and Mortar
    1255564Milan Branch420 North Pearl, Milan, MO 63556July 06, 1992Full Service Brick and Mortar

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