State Bank of Seneca in Seneca, Missouri (MO)



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State Bank of Seneca
GeneralFDIC Certificate #: 14204
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Community Bank and Trust (#13068)
Federal Reserve ID: 308452
Date Established: October 11, 1928
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 8869
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: April 06, 1934
Last Structure Change Effective Date: May 19, 1995
Last Structure Change Process Date: May 24, 1995
Last Data Update: May 24, 1995
Data Source Date: April 05, 2012
LocationAddress: Main Street, Seneca, MO 64865
County: Newton
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)
Financial SummaryTotal assets: $20.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)
(Dollar figures in thousands)
Total employees (full-time equivalent)0
Total assets$13
Cash and due from depository institutions$20,865
Interest-bearing balances$1,679
Securities$792
Federal funds sold & reverse repurchase agreements$11,629
Net loans & leases$0
Loan loss allowance $7,099
Trading account assets$119
Bank premises and fixed assets$0
Other real estate owned$165
Goodwill and other intangibles$0
All other assets$0
Life insurance assets$293
Total liabilities and capital$0
Total liabilities$20,865
Total deposits$18,206
Interest-bearing deposits$17,353
Deposits held in domestic offices$14,805
% insured (estimated)17353.00%
Federal funds purchased & repurchase agreements $95
Trading liabilities$700
Other borrowed funds $0
Subordinated debt $0
All other liabilities $0
Total equity capital$153
Total bank equity capital$153
Perpetual preferred stock$2,659
Common stock$0
Surplus$60
Undivided profits $340
Memoranda
Noncurrent loans and leases $2,259
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4
Earning assets $59
Long-term assets (5+ years) $19,520
Average Assets, year-to-date $2,053
Average Assets, quarterly $21,834
Volatile liabilities $21,282
Insider loans $1,300
FHLB advances $71
Loans and leases held for sale $0
Unused loan commitments $0
Tier 1 (core) risk-based capital $108
Tier 2 risk-based capital $0
Total risk weighted assets $2,679
Total unused commitments $6,768
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 1994)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $1,277
Net interest income $480
Provision for loan and lease losses $797
Total noninterest income -$30
Fiduciary activities $156
Service charges on deposit accounts $0
Trading account gains & fees $113
Additional noninterest income $0
Total noninterest expense $43
Salaries and employee benefits $746
Premises and equipment expense $375
Additional noninterest expense $43
Pre-tax net operating income $328
Securities gains (losses) $237
Applicable income taxes $0
Income before extraordinary items $47
Extraordinary gains - net $190
Net income attributable to bank $0
Net charge-offs $190
Cash dividends $11
Sale, conversion, retirement of capital stock, net $48
Net operating income $0
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Performance and Condition Ratios (December 31, 1994)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 6.27%
Net interest margin 2.36%
Noninterest income to earning assets 3.91%
Noninterest expense to earning assets 0.77%
Net operating income to assets 3.66%
Return on assets (ROA) 0.87%
Pretax return on assets 0.87%
Return on equity (ROE) 1.09%
Retained earnings to average equity (YTD only) 7.32%
Net charge-offs to loans 5.47%
Credit loss provision to net charge-offs 0.19%
Efficiency ratio-272.73%
Assets per employee$78,279
Cash dividends to net income (YTD only)1.61%
Condition Ratios (%)
Loss allowance to loans 25.26%
Loss allowance to noncurrent loans 1.65%
Noncurrent assets plus other real estate owned to assets 2975.00%
Noncurrent loans to loans 0.02%
Net loans and leases to deposits0.06%
Net loans and leases to core deposits 40.91%
Equity capital to assets 42.37%
Core capital (leverage) ratio 12.74%
Tier 1 risk-based capital ratio 12.53%
Total risk-based capital ratio 39.58%
Memoranda
Average assets$41
Average earning assets$21,834
Average equity $2,596
Average loans $20,360
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