Southwest Missouri Bank in Carthage, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Southwest Missouri Bank - Overview

  • General
  • FDIC Certificate #: 22876
    Status: Active
    Federal Reserve ID: 760854
    Bank Holding Company (Regulatory Top Holder): Southwest Missouri Bancorporation, Inc. (RSSDID: 1063552, Location: Carthage, MO)
    Date Established: June 11, 1979
    WWW: http://www.smbonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 10471
    FDIC's unique #: 15987
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: June 11, 1979
    Last Structure Change Effective Date: July 01, 2008
    Last Structure Change Process Date: July 27, 2009
    Last Data Update: July 27, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 West Third Street, Carthage, MO 64836
    County: Jasper
    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
    Metropolitan Statistical Area (MSA): Joplin, MO (#3710)
    Core Based Statistical Area (CBSA): Joplin, MO (#27900)
    CBSA Metro Statistical Area: Joplin, MO (#27900)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $642.0 mil
    Equity capital: $54.8 mil
    Deposits held in domestic offices: $564.6 mil
    Return on assets (ROA): 0.85% ($5.5 mil)
    Quarterly return on assets: 0.95% ($6.1 mil)
    Return on Equity (ROE): 9.69% ($5.3 mil)
    Quarterly return on equity: 10.88% ($6.0 mil)
    Net income: $5.1 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.22% ($7,831.9 mil)
    Quarterly Pretax return on assets: 1.34% ($8,602.3 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
  • 200Total employees (full-time equivalent)
  • $641,961Total assets
  • $31,700Cash and due from depository institutions
  • $17,552Interest-bearing balances
  • $182,339Securities
  • $6,622Federal funds sold & reverse repurchase agreements
  • $379,145Net loans & leases
  • $5,181Loan loss allowance
  • $0Trading account assets
  • $18,677Bank premises and fixed assets
  • $1,929Other real estate owned
  • $0Goodwill and other intangibles
  • $641,961Life insurance assets
  • $21,549All other assets
  • $587,134Total liabilities and capital
  • $564,584Total liabilities
  • $463,826Total deposits
  • $564,584Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 13792.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $8,758Subordinated debt
  • $54,827All other liabilities
  • $54,827Total equity capital
  • $54,827Total bank equity capital
  • $0Perpetual preferred stock
  • $1,156Common stock
  • $9,352Surplus
  • $44,319Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,613Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,521Income earned, not collected on loans
  • $0Earning assets
  • $3,587Long-term assets (5+ years)
  • $585,658Average Assets, year-to-date
  • $177,234Average Assets, quarterly
  • $597,695Volatile liabilities
  • $626,272Insider loans
  • $395,927FHLB advances
  • $614,464Loans and leases held for sale
  • $11,533Unused loan commitments
  • $8,944Tier 1 (core) risk-based capital
  • $52,190Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,589Total unused commitments
  • $46,526Restructured Loans and leases
  • $327Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,167Total interest income
  • $3,941Total interest expense
  • $25,226Net interest income
  • $2,150Provision for loan and lease losses
  • $6,706Total noninterest income
  • $454Fiduciary activities
  • $2,387Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,865Additional noninterest income
  • $22,487Total noninterest expense
  • $12,711Salaries and employee benefits
  • $3,273Premises and equipment expense
  • $6,503Additional noninterest expense
  • $7,295Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,230Applicable income taxes
  • $5,065Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,065Net income attributable to bank
  • $0Net charge-offs
  • $5,065Cash dividends
  • $2,180Sale, conversion, retirement of capital stock, net
  • $1,860Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.64%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 4.14%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 9.69%Return on equity (ROE)
  • 6.13%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 98.62%Credit loss provision to net charge-offs
  • 4.33%Efficiency ratio
  • 70,422Assets per employee
  • 3.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.72%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 340.63%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 67.15%Net loans and leases to core deposits
  • 69.72%Equity capital to assets
  • 8.54%Core capital (leverage) ratio
  • 8.49%Tier 1 risk-based capital ratio
  • 13.18%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $597,695Average earning assets
  • $52,244Average equity
  • $543,624Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $54,460Managed Assets
  • 1Number of Accounts
  • $54,460Personal trust and agency accounts
  • $53,474Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $986Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 67Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 11 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015987Southwest Missouri Bank300 West Third Street, Carthage, MO 64836June 11, 1979Full Service Brick and Mortar
    1255526Carthage South2417 South Grand Avenue, Carthage, MO 64836January 03, 1984Full Service Brick and Mortar
    2255527Duquesne Branch4000 E 7th St, Joplin, MO 64801September 26, 1988Full Service Brick and Mortar
    33037Jasper Branch101 E Grand Avenue, Jasper, MO 64755January 01, 1902Full Service Brick and Mortar
    4255528Neosho North110 North Neosho Boulevard, Neosho, MO 64850March 07, 1994Full Service Brick and Mortar
    525552932nd Street1000 East 32nd, Joplin, MO 64804December 27, 1994Full Service Brick and Mortar
    7255531Neosho South2995 Gardner Edgewood Drive, Neosho, MO 64850June 09, 1997Full Service Brick and Mortar
    8255532Zora2530 North Rangeline, Joplin, MO 64801January 10, 2000Full Service Brick and Mortar
    9360745Stone's Corner5935 North Main Street, Joplin, MO 64801October 09, 2000Full Service Brick and Mortar
    10442312Alba Branch202 W. High, Alba, MO 64830Febuary 06, 1992Limited Service Facility
    11445229Mcclelland Branch3202 Mcclelland Boulevard, Joplin, MO 64804October 17, 2005Full Service Brick and Mortar

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