Security Bank of Southwest Missouri in Cassville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Security Bank of Southwest Missouri - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total 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
  • 29Total employees (full-time equivalent)
  • $71,246Total assets
  • $3,862Cash and due from depository institutions
  • $2,757Interest-bearing balances
  • $17,514Securities
  • $1,255Federal funds sold & reverse repurchase agreements
  • $46,622Net loans & leases
  • $631Loan loss allowance
  • $0Trading account assets
  • $237Bank premises and fixed assets
  • $821Other real estate owned
  • $0Goodwill and other intangibles
  • $71,246Life insurance assets
  • $935All other assets
  • $63,950Total liabilities and capital
  • $63,457Total liabilities
  • $56,835Total deposits
  • $63,457Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $493Subordinated debt
  • $7,296All other liabilities
  • $7,296Total equity capital
  • $7,296Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $450Surplus
  • $5,946Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $573Income earned, not collected on loans
  • $0Earning assets
  • $562Long-term assets (5+ years)
  • $68,148Average Assets, year-to-date
  • $10,045Average Assets, quarterly
  • $70,845Volatile liabilities
  • $71,564Insider loans
  • $49,008FHLB advances
  • $71,530Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,223Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,682Restructured Loans and leases
  • $525Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,699Total interest income
  • $663Total interest expense
  • $3,036Net interest income
  • $79Provision for loan and lease losses
  • $657Total noninterest income
  • $0Fiduciary activities
  • $288Service charges on deposit accounts
  • $0Trading account gains & fees
  • $369Additional noninterest income
  • $2,210Total noninterest expense
  • $1,439Salaries and employee benefits
  • $219Premises and equipment expense
  • $552Additional noninterest expense
  • $1,404Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,404Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,404Net income attributable to bank
  • $0Net charge-offs
  • $1,404Cash dividends
  • $46Sale, conversion, retirement of capital stock, net
  • $1,107Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.46%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 4.48%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • 1.98%Net operating income to assets
  • 1.98%Return on assets (ROA)
  • 1.98%Pretax return on assets
  • 20.13%Return on equity (ROE)
  • 4.26%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 171.74%Credit loss provision to net charge-offs
  • 32.24%Efficiency ratio
  • 59,843Assets per employee
  • 2.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.85%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 110.12%Noncurrent assets plus other real estate owned to assets
  • 1.96%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 73.47%Net loans and leases to core deposits
  • 76.33%Equity capital to assets
  • 10.24%Core capital (leverage) ratio
  • 10.10%Tier 1 risk-based capital ratio
  • 14.74%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $70,845Average earning assets
  • $6,974Average equity
  • $67,745Average loans

List of branches

  • 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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