St Francois County Bank, FSB in Farmington, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 05, 1996

  • St Francois County Bank, FSB in Farmington, Missouri (MO)
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St Francois County Bank, FSB - Overview

  • General
  • FDIC Certificate #: 28711
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: New Era Bank (#14546)
    Federal Reserve ID: 141378
    Date Established: January 01, 1907
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2198
    FDIC's unique #: 41545
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: May 08, 1937
    Last Structure Change Effective Date: January 05, 1996
    Last Structure Change Process Date: Febuary 21, 1996
    Last Data Update: Febuary 21, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 11 East Liberty St, Farmington, MO 63640
    County: St. Francois
    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
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): Farmington, MO (#22100)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $41.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $10Total assets
  • $41,346Cash and due from depository institutions
  • $2,646Interest-bearing balances
  • $1,255Securities
  • $1,499Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $35,414Loan loss allowance
  • $317Trading account assets
  • $0Bank premises and fixed assets
  • $1,063Other real estate owned
  • $152Goodwill and other intangibles
  • $572Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $41,346Total liabilities
  • $33,635Total deposits
  • $33,140Interest-bearing deposits
  • $33,140Deposits held in domestic offices
  • 33140.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $294Subordinated debt
  • $0All other liabilities
  • $201Total equity capital
  • $201Total bank equity capital
  • $7,711Perpetual preferred stock
  • $0Common stock
  • $4Surplus
  • $1,793Undivided profits
  • Memoranda
  • $5,914Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $390Income earned, not collected on loans
  • $115Earning assets
  • $38,168Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $40,574Average Assets, quarterly
  • $41,173Volatile liabilities
  • $900Insider loans
  • $354FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $310Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,442Total risk weighted assets
  • $24,464Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,072Total interest expense
  • $1,626Net interest income
  • $1,446Provision for loan and lease losses
  • $99Total noninterest income
  • $131Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $131Total noninterest expense
  • $1,040Salaries and employee benefits
  • $548Premises and equipment expense
  • $166Additional noninterest expense
  • $326Pre-tax net operating income
  • $438Securities gains (losses)
  • -$1Applicable income taxes
  • $168Income before extraordinary items
  • $269Extraordinary gains - net
  • $0Net income attributable to bank
  • $269Net charge-offs
  • $0Cash dividends
  • $75Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.96%Cost of funding earning assets
  • 4.22%Net interest margin
  • 3.75%Noninterest income to earning assets
  • 0.34%Noninterest expense to earning assets
  • 2.70%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 1.08%Return on equity (ROE)
  • 3.58%Retained earnings to average equity (YTD only)
  • 2.58%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,948Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.88%Loss allowance to loans
  • 0.89%Loss allowance to noncurrent loans
  • 81.28%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 106.86%Net loans and leases to core deposits
  • 108.85%Equity capital to assets
  • 18.65%Core capital (leverage) ratio
  • 18.12%Tier 1 risk-based capital ratio
  • 30.42%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $40,574Average earning assets
  • $7,517Average equity
  • $38,572Average loans

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