St. Clair County State Bank in city_name, state_name - Detailed Financial Reports, Location

St. Clair County State Bank in Osceola, Missouri (MO)
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St. Clair County State Bank routing number info

St. Clair County State Bank - Overview

General
FDIC Certificate #: 11002
Status: Active
Federal Reserve ID: 692450
Bank Holding Company (Regulatory Top Holder): Scc Bancshares, Inc. (RSSDID: 1144068, Location: Osceola, MO)
Date Established: May 01, 1896
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 9327
FDIC's unique #: 7052
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: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: Second And Chestnut, Osceola, MO 64776
County: St. Claire
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
Financial Summary
Total assets: $118.3 mil
Equity capital: $13.1 mil
Deposits held in domestic offices: $103.0 mil
Return on assets (ROA): 1.06% ($1.3 mil)
Quarterly return on assets: 1.10% ($1.3 mil)
Return on Equity (ROE): 9.72% ($1.3 mil)
Quarterly return on equity: 9.84% ($1.3 mil)
Net income: $1.2 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.57% ($1,857.1 mil)
Quarterly Pretax return on assets: 1.59% ($1,880.7 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
38Total employees (full-time equivalent)
$118,284Total assets
$2,652Cash and due from depository institutions
$70Interest-bearing balances
$19,704Securities
$8,313Federal funds sold & reverse repurchase agreements
$84,608Net loans & leases
$1,174Loan loss allowance
$0Trading account assets
$874Bank premises and fixed assets
$225Other real estate owned
$0Goodwill and other intangibles
$118,284Life insurance assets
$1,908All other assets
$105,142Total liabilities and capital
$102,973Total liabilities
$92,514Total deposits
$102,973Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,706Trading liabilities
$0Other borrowed funds
$463Subordinated debt
$13,142All other liabilities
$13,142Total equity capital
$13,142Total bank equity capital
$0Perpetual preferred stock
$173Common stock
$387Surplus
$12,582Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,387Income earned, not collected on loans
$855Earning assets
$1,362Long-term assets (5+ years)
$112,695Average Assets, year-to-date
$11,476Average Assets, quarterly
$117,472Volatile liabilities
$117,153Insider loans
$73,720FHLB advances
$116,073Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,093Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,178Restructured Loans and leases
$2,387Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,377Total interest income
$1,497Total interest expense
$3,880Net interest income
$90Provision for loan and lease losses
$524Total noninterest income
$14Fiduciary activities
$251Service charges on deposit accounts
$0Trading account gains & fees
$259Additional noninterest income
$2,470Total noninterest expense
$1,299Salaries and employee benefits
$251Premises and equipment expense
$920Additional noninterest expense
$1,844Pre-tax net operating income
$0Securities gains (losses)
$599Applicable income taxes
$1,245Income before extraordinary items
$0Extraordinary gains - net
$1,245Net income attributable to bank
$0Net charge-offs
$1,245Cash dividends
$26Sale, conversion, retirement of capital stock, net
$560Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.80%Yield on earning assets
1.34%Cost of funding earning assets
3.46%Net interest margin
0.47%Noninterest income to earning assets
2.20%Noninterest expense to earning assets
1.06%Net operating income to assets
1.06%Return on assets (ROA)
1.57%Pretax return on assets
9.72%Return on equity (ROE)
5.35%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
346.15%Credit loss provision to net charge-offs
74.38%Efficiency ratio
56,085Assets per employee
3.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.98%Loss allowance to loans
1.37%Loss allowance to noncurrent loans
84.64%Noncurrent assets plus other real estate owned to assets
1.36%Noncurrent loans to loans
1.62%Net loans and leases to deposits
82.17%Net loans and leases to core deposits
83.97%Equity capital to assets
11.11%Core capital (leverage) ratio
11.28%Tier 1 risk-based capital ratio
17.76%Total risk-based capital ratio
Memoranda
$19Average assets
$117,472Average earning assets
$12,814Average equity
$112,128Average 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
$4,930Managed Assets
1Number of Accounts
$4,930Personal trust and agency accounts
$3,969Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$490Corporate trust and agency accounts
$471Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
16Number of Accounts
$0Personal trust and agency accounts
$490Employee 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

4 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7052	St. Clair County State Bank	Second And Chestnut, Osceola, MO 64776	May 01, 1896	Full Service Brick and Mortar
1	223547	Drive-In Facility	N.W. Corner Of Second And Chestnut, Osceola, MO 64776	September 01, 1981	Limited Service Facility
2	5275	Lowry City Branch	404 East 3rd Street, Lowry City, MO 64763	April 14, 1903	Full Service Brick and Mortar
3	223548	Appleton City Branch	118 East Fourth Street, Appleton, MO 64724	September 10, 1997	Full Service Brick and Mortar

St. Clair County State Bank in Osceola, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

St. Clair County State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

St. Clair County State Bank in Osceola, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

St. Clair County State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

St. Clair County State Bank in Osceola, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches