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



Show street view No street view available for this location

St. Clair County State Bank routing number info

Table of contents:
St. Clair County State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)38
Total assets$118,284
Cash and due from depository institutions$2,652
Interest-bearing balances$70
Securities$19,704
Federal funds sold & reverse repurchase agreements$8,313
Net loans & leases$84,608
Loan loss allowance $1,174
Trading account assets$0
Bank premises and fixed assets$874
Other real estate owned$225
Goodwill and other intangibles$0
All other assets$1,908
Life insurance assets$118,284
Total liabilities and capital$105,142
Total liabilities$102,973
Total deposits$92,514
Interest-bearing deposits$102,973
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,706
Other borrowed funds $0
Subordinated debt $463
All other liabilities $13,142
Total equity capital$13,142
Total bank equity capital$13,142
Perpetual preferred stock$0
Common stock$173
Surplus$387
Undivided profits $12,582
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,387
Earning assets $855
Long-term assets (5+ years) $1,362
Average Assets, year-to-date $112,695
Average Assets, quarterly $11,476
Volatile liabilities $117,472
Insider loans $117,153
FHLB advances $73,720
Loans and leases held for sale $116,073
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,093
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,178
Derivatives$2,387
Back to page top, Back to table top

Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,377
Total interest expense $1,497
Net interest income $3,880
Provision for loan and lease losses $90
Total noninterest income $524
Fiduciary activities $14
Service charges on deposit accounts $251
Trading account gains & fees $0
Additional noninterest income $259
Total noninterest expense $2,470
Salaries and employee benefits $1,299
Premises and equipment expense $251
Additional noninterest expense $920
Pre-tax net operating income $1,844
Securities gains (losses) $0
Applicable income taxes $599
Income before extraordinary items $1,245
Extraordinary gains - net $0
Net income attributable to bank $1,245
Net charge-offs $0
Cash dividends $1,245
Sale, conversion, retirement of capital stock, net $26
Net operating income $560
Back to page top, Back to table top

Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.80%
Cost of funding earning assets 1.34%
Net interest margin 3.46%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 2.20%
Net operating income to assets 1.06%
Return on assets (ROA) 1.06%
Pretax return on assets 1.57%
Return on equity (ROE) 9.72%
Retained earnings to average equity (YTD only) 5.35%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 346.15%
Efficiency ratio74.38%
Assets per employee$56,085
Cash dividends to net income (YTD only)3.11%
Condition Ratios (%)
Loss allowance to loans 44.98%
Loss allowance to noncurrent loans 1.37%
Noncurrent assets plus other real estate owned to assets 84.64%
Noncurrent loans to loans 1.36%
Net loans and leases to deposits1.62%
Net loans and leases to core deposits 82.17%
Equity capital to assets 83.97%
Core capital (leverage) ratio 11.11%
Tier 1 risk-based capital ratio 11.28%
Total risk-based capital ratio 17.76%
Memoranda
Average assets$19
Average earning assets$117,472
Average equity $12,814
Average loans $112,128
Back to page top, Back to table top

Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$4,930
Number of Accounts1
Personal trust and agency accounts$4,930
Employee benefit-defined contribution accounts$3,969
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$490
Investment management agency accounts$471
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts16
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$490
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Back to page top, Back to table top

4 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07052St. Clair County State BankSecond And Chestnut, Osceola, MO 64776May 01, 1896Full Service Brick and Mortar
1223547Drive-In FacilityN.W. Corner Of Second And Chestnut, Osceola, MO 64776September 01, 1981Limited Service Facility
25275Lowry City Branch404 East 3rd Street, Lowry City, MO 64763April 14, 1903Full Service Brick and Mortar
3223548Appleton City Branch118 East Fourth Street, Appleton, MO 64724September 10, 1997Full Service Brick and Mortar
Back to page top

User Contributions:

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

CAPTCHA


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with St. Clair County State Bank.
Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.