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

  • Shelter Financial Bank in Columbia, Missouri (MO)
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Shelter Financial Bank - Overview

  • General
  • FDIC Certificate #: 35002
    Status: Active
    Federal Reserve ID: 2783763
    Date Established: April 12, 1999
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15455
    FDIC's unique #: 73825
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: April 12, 1999
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1817 West Broadway, Columbia, MO 65218
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $172.3 mil
    Equity capital: $17.7 mil
    Deposits held in domestic offices: $114.3 mil
    Return on assets (ROA): 0.57% ($1.0 mil)
    Quarterly return on assets: 0.44% ($0.8 mil)
    Return on Equity (ROE): 5.86% ($1.1 mil)
    Quarterly return on equity: 4.25% ($0.8 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.93% ($1,602.0 mil)
    Quarterly Pretax return on assets: 0.74% ($1,274.7 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)
  • $172,261Total assets
  • $8,191Cash and due from depository institutions
  • $4,677Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $158,832Net loans & leases
  • $2,218Loan loss allowance
  • $0Trading account assets
  • $82Bank premises and fixed assets
  • $269Other real estate owned
  • $0Goodwill and other intangibles
  • $172,261Life insurance assets
  • $4,887All other assets
  • $154,575Total liabilities and capital
  • $114,320Total liabilities
  • $110,888Total deposits
  • $114,320Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $39,206Trading liabilities
  • $0Other borrowed funds
  • $1,049Subordinated debt
  • $17,686All other liabilities
  • $17,686Total equity capital
  • $17,686Total bank equity capital
  • $0Perpetual preferred stock
  • $10,930Common stock
  • $863Surplus
  • $5,893Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $198Income earned, not collected on loans
  • $0Earning assets
  • $552Long-term assets (5+ years)
  • $163,509Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $175,489Volatile liabilities
  • $171,291Insider loans
  • $133,537FHLB advances
  • $172,261Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,686Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,896Restructured Loans and leases
  • $38Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,381Total interest income
  • $3,748Total interest expense
  • $4,633Net interest income
  • $294Provision for loan and lease losses
  • $276Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $276Additional noninterest income
  • $2,982Total noninterest expense
  • $1,768Salaries and employee benefits
  • $368Premises and equipment expense
  • $846Additional noninterest expense
  • $1,633Pre-tax net operating income
  • $0Securities gains (losses)
  • $625Applicable income taxes
  • $1,008Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,008Net income attributable to bank
  • $0Net charge-offs
  • $1,008Cash dividends
  • $154Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 2.22%Cost of funding earning assets
  • 2.75%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 1.77%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 5.86%Return on equity (ROE)
  • 5.86%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 190.91%Credit loss provision to net charge-offs
  • 12.51%Efficiency ratio
  • 60,746Assets per employee
  • 7.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 1120.20%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.12%Net loans and leases to deposits
  • 138.94%Net loans and leases to core deposits
  • 212.20%Equity capital to assets
  • 10.27%Core capital (leverage) ratio
  • 10.27%Tier 1 risk-based capital ratio
  • 13.24%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $175,489Average earning assets
  • $17,197Average equity
  • $168,460Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    073825Shelter Financial Bank1817 West Broadway, Columbia, MO 65218April 12, 1999Full Service Brick and Mortar

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