Rockwood Bank in Eureka, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Rockwood Bank in Eureka, Missouri (MO)
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Rockwood Bank - Overview

  • General
  • FDIC Certificate #: 32745
    Status: Active
    Federal Reserve ID: 1439456
    Bank Holding Company (Regulatory Top Holder): Rockwood Bancshares, Inc. (RSSDID: 2020824, Location: Eureka, MO)
    Date Established: Febuary 05, 1990
    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 #: 12850
    FDIC's unique #: 45612
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 05, 1990
    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: 219 Thresher Drive, Eureka, MO 63025
    County: St. Louis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $274.3 mil
    Equity capital: $30.2 mil
    Deposits held in domestic offices: $231.7 mil
    Return on assets (ROA): -1.37% (-$3.8 mil)
    Quarterly return on assets: -0.52% (-$1.4 mil)
    Return on Equity (ROE): -11.93% (-$3.6 mil)
    Quarterly return on equity: -4.78% (-$1.4 mil)
    Net income: -$3.9 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -2.28% (-$6,254.8 mil)
    Quarterly Pretax return on assets: -0.91% (-$2,496.4 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
  • 57Total employees (full-time equivalent)
  • $274,333Total assets
  • $44,744Cash and due from depository institutions
  • $39,728Interest-bearing balances
  • $11,838Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $172,641Net loans & leases
  • $5,277Loan loss allowance
  • $0Trading account assets
  • $6,195Bank premises and fixed assets
  • $22,429Other real estate owned
  • $0Goodwill and other intangibles
  • $274,333Life insurance assets
  • $16,486All other assets
  • $244,095Total liabilities and capital
  • $231,656Total liabilities
  • $191,801Total deposits
  • $231,656Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $2,439Subordinated debt
  • $30,238All other liabilities
  • $30,238Total equity capital
  • $30,238Total bank equity capital
  • $0Perpetual preferred stock
  • $1,750Common stock
  • $7,885Surplus
  • $20,603Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,885Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $547Long-term assets (5+ years)
  • $224,207Average Assets, year-to-date
  • $2,249Average Assets, quarterly
  • $287,177Volatile liabilities
  • $278,481Insider loans
  • $216,270FHLB advances
  • $275,843Loans and leases held for sale
  • $7,533Unused loan commitments
  • $7,533Tier 1 (core) risk-based capital
  • $26,413Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $31,051Restructured Loans and leases
  • $5,353Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,573Total interest income
  • $2,503Total interest expense
  • $9,070Net interest income
  • $9,600Provision for loan and lease losses
  • $1,657Total noninterest income
  • $0Fiduciary activities
  • $858Service charges on deposit accounts
  • $0Trading account gains & fees
  • $799Additional noninterest income
  • $7,677Total noninterest expense
  • $4,042Salaries and employee benefits
  • $775Premises and equipment expense
  • $2,860Additional noninterest expense
  • -$6,550Pre-tax net operating income
  • $0Securities gains (losses)
  • -$2,620Applicable income taxes
  • -$3,930Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,930Net income attributable to bank
  • $0Net charge-offs
  • -$3,930Cash dividends
  • $11,143Sale, conversion, retirement of capital stock, net
  • $298Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • -1.37%Net operating income to assets
  • -1.37%Return on assets (ROA)
  • -2.28%Pretax return on assets
  • -11.93%Return on equity (ROE)
  • -12.83%Retained earnings to average equity (YTD only)
  • 5.66%Net charge-offs to loans
  • 86.15%Credit loss provision to net charge-offs
  • 0.27%Efficiency ratio
  • 71,567Assets per employee
  • 4.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -7.58%Loss allowance to loans
  • 2.97%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 8.18%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 74.52%Net loans and leases to core deposits
  • 76.17%Equity capital to assets
  • 11.02%Core capital (leverage) ratio
  • 9.58%Tier 1 risk-based capital ratio
  • 12.21%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $287,177Average earning assets
  • $32,947Average equity
  • $239,240Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045612Rockwood Bank219 Thresher Drive, Eureka, MO 63025Febuary 05, 1990Full Service Brick and Mortar
    1289000Fenton Branch1037 Majestic Drive, Fenton, MO 63026June 08, 1998Full Service Brick and Mortar
    2357706High Ridge Branch23 Gravois Dillon Plaza Drive, High Ridge, MO 63049July 31, 2000Full Service Brick and Mortar
    3442991Wildwood Branch2620 Highway 109, Grover, MO 63040July 18, 2005Full Service Brick and Mortar

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