Silex Banking Company in Silex, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Silex Banking Company in Silex, Missouri (MO)
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Silex Banking Company - Overview

  • General
  • FDIC Certificate #: 14178
    Status: Active
    Federal Reserve ID: 552956
    Bank Holding Company (Regulatory Top Holder): Silex Bancshares, Inc. (RSSDID: 1141263, Location: Silex, MO)
    Date Established: March 24, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8850
    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: March 30, 1934
    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: 20 S 2nd St, Silex, MO 63377
    County: Lincoln
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $64.6 mil
    Equity capital: $9.6 mil
    Deposits held in domestic offices: $54.7 mil
    Return on assets (ROA): 0.92% ($0.6 mil)
    Quarterly return on assets: 0.13% ($0.1 mil)
    Return on Equity (ROE): 6.09% ($0.6 mil)
    Quarterly return on equity: 0.86% ($0.1 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.14% ($736.1 mil)
    Quarterly Pretax return on assets: 0.35% ($226.0 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
  • 11Total employees (full-time equivalent)
  • $64,567Total assets
  • $3,042Cash and due from depository institutions
  • $0Interest-bearing balances
  • $30,279Securities
  • $3,783Federal funds sold & reverse repurchase agreements
  • $26,544Net loans & leases
  • $467Loan loss allowance
  • $0Trading account assets
  • $303Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $64,567Life insurance assets
  • $616All other assets
  • $54,931Total liabilities and capital
  • $54,695Total liabilities
  • $48,953Total deposits
  • $54,695Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $236Subordinated debt
  • $9,636All other liabilities
  • $9,636Total equity capital
  • $9,636Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $200Surplus
  • $9,196Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $420Long-term assets (5+ years)
  • $60,606Average Assets, year-to-date
  • $23,386Average Assets, quarterly
  • $63,680Volatile liabilities
  • $64,656Insider loans
  • $33,111FHLB advances
  • $65,875Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,636Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,655Restructured Loans and leases
  • $368Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,543Total interest income
  • $550Total interest expense
  • $1,993Net interest income
  • $50Provision for loan and lease losses
  • $45Total noninterest income
  • $0Fiduciary activities
  • $32Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13Additional noninterest income
  • $1,259Total noninterest expense
  • $748Salaries and employee benefits
  • $102Premises and equipment expense
  • $409Additional noninterest expense
  • $729Pre-tax net operating income
  • $0Securities gains (losses)
  • $144Applicable income taxes
  • $585Income before extraordinary items
  • $0Extraordinary gains - net
  • $585Net income attributable to bank
  • $0Net charge-offs
  • $585Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $331Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.08%Noninterest income to earning assets
  • 2.12%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 6.09%Return on equity (ROE)
  • 2.64%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 61,776Assets per employee
  • 5.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.58%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 48.53%Net loans and leases to core deposits
  • 49.78%Equity capital to assets
  • 14.92%Core capital (leverage) ratio
  • 14.63%Tier 1 risk-based capital ratio
  • 29.10%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $63,680Average earning assets
  • $9,612Average equity
  • $59,424Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08850Silex Banking Company20 S 2nd St, Silex, MO 63377March 24, 1934Full Service Brick and Mortar

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