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

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
  • 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

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