Security Bank of Southwest Missouri in Cassville, Missouri (MO)



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Security Bank of Southwest Missouri routing number info

Table of contents:
Security Bank of Southwest Missouri
GeneralFDIC Certificate #: 26520
Status: Active
Federal Reserve ID: 897853
Date Established: December 13, 1985
WWW: http://www.sbswmo.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 33222
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: December 13, 1985
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: September 23, 2010
Last Data Update: September 23, 2010
Data Source Date: April 05, 2012
LocationAddress: Junction Hwys. 76-86 & 37, Cassville, MO 65625
County: Barry
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of ChangesMerge BIF and SAIF Funds into DIF
Change in Location
Financial SummaryTotal assets: $71.2 mil
Equity capital: $7.3 mil
Deposits held in domestic offices: $63.5 mil
Return on assets (ROA): 1.98% ($1.4 mil)
Quarterly return on assets: 2.16% ($1.5 mil)
Return on Equity (ROE): 20.13% ($1.4 mil)
Quarterly return on equity: 21.30% ($1.5 mil)
Net income: $1.4 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.98% ($1,410.7 mil)
Quarterly Pretax return on assets: 2.16% ($1,538.9 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)
Total employees (full-time equivalent)29
Total assets$71,246
Cash and due from depository institutions$3,862
Interest-bearing balances$2,757
Securities$17,514
Federal funds sold & reverse repurchase agreements$1,255
Net loans & leases$46,622
Loan loss allowance $631
Trading account assets$0
Bank premises and fixed assets$237
Other real estate owned$821
Goodwill and other intangibles$0
All other assets$935
Life insurance assets$71,246
Total liabilities and capital$63,950
Total liabilities$63,457
Total deposits$56,835
Interest-bearing deposits$63,457
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $493
All other liabilities $7,296
Total equity capital$7,296
Total bank equity capital$7,296
Perpetual preferred stock$0
Common stock$900
Surplus$450
Undivided profits $5,946
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $573
Earning assets $0
Long-term assets (5+ years) $562
Average Assets, year-to-date $68,148
Average Assets, quarterly $10,045
Volatile liabilities $70,845
Insider loans $71,564
FHLB advances $49,008
Loans and leases held for sale $71,530
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,223
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,682
Derivatives$525
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,699
Total interest expense $663
Net interest income $3,036
Provision for loan and lease losses $79
Total noninterest income $657
Fiduciary activities $0
Service charges on deposit accounts $288
Trading account gains & fees $0
Additional noninterest income $369
Total noninterest expense $2,210
Salaries and employee benefits $1,439
Premises and equipment expense $219
Additional noninterest expense $552
Pre-tax net operating income $1,404
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,404
Extraordinary gains - net $0
Net income attributable to bank $1,404
Net charge-offs $0
Cash dividends $1,404
Sale, conversion, retirement of capital stock, net $46
Net operating income $1,107
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.46%
Cost of funding earning assets 0.98%
Net interest margin 4.48%
Noninterest income to earning assets 0.97%
Noninterest expense to earning assets 3.26%
Net operating income to assets 1.98%
Return on assets (ROA) 1.98%
Pretax return on assets 1.98%
Return on equity (ROE) 20.13%
Retained earnings to average equity (YTD only) 4.26%
Net charge-offs to loans 0.10%
Credit loss provision to net charge-offs 171.74%
Efficiency ratio32.24%
Assets per employee$59,843
Cash dividends to net income (YTD only)2.46%
Condition Ratios (%)
Loss allowance to loans 78.85%
Loss allowance to noncurrent loans 1.34%
Noncurrent assets plus other real estate owned to assets 110.12%
Noncurrent loans to loans 1.96%
Net loans and leases to deposits1.21%
Net loans and leases to core deposits 73.47%
Equity capital to assets 76.33%
Core capital (leverage) ratio 10.24%
Tier 1 risk-based capital ratio 10.10%
Total risk-based capital ratio 14.74%
Memoranda
Average assets$16
Average earning assets$70,845
Average equity $6,974
Average loans $67,745
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3 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
033222Security Bank Of Southwest MissouriJunction Hwys. 76-86 & 37, Cassville, MO 65625December 13, 1985Full Service Brick and Mortar
3259644Exeter Facility108 Front Street, Exeter, MO 65647June 29, 1987Full Service Brick and Mortar
4418668Wheaton Branch302 Main Street, Wheaton, MO 64874April 01, 2003Full Service Brick and Mortar
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