State Bank of Slater in Slater, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


State Bank of Slater - Overview

  • General
  • FDIC Certificate #: 10613
    Status: Active
    Federal Reserve ID: 205159
    Bank Holding Company (Regulatory Top Holder): State Bank Of Slater Employee Stock Ownership Plan & Trust (RSSDID: 2895198, Location: Slater, MO)
    Date Established: January 01, 1895
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 11874
    FDIC's unique #: 6803
    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: 201 West Maple, Slater, MO 65349
    County: Saline
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Marshall, MO (#32180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $40.9 mil
    Equity capital: $5.1 mil
    Deposits held in domestic offices: $35.2 mil
    Return on assets (ROA): 0.94% ($0.4 mil)
    Quarterly return on assets: 0.98% ($0.4 mil)
    Return on Equity (ROE): 7.79% ($0.4 mil)
    Quarterly return on equity: 7.90% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.42% ($580.6 mil)
    Quarterly Pretax return on assets: 1.48% ($605.1 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
  • 10Total employees (full-time equivalent)
  • $40,887Total assets
  • $4,749Cash and due from depository institutions
  • $2,467Interest-bearing balances
  • $5,781Securities
  • $275Federal funds sold & reverse repurchase agreements
  • $28,318Net loans & leases
  • $322Loan loss allowance
  • $0Trading account assets
  • $934Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $40,887Life insurance assets
  • $830All other assets
  • $35,828Total liabilities and capital
  • $35,202Total liabilities
  • $29,072Total deposits
  • $35,202Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $126Subordinated debt
  • $5,059All other liabilities
  • $5,059Total equity capital
  • $5,059Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $400Surplus
  • $4,559Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6Income earned, not collected on loans
  • $0Earning assets
  • $358Long-term assets (5+ years)
  • $36,841Average Assets, year-to-date
  • $872Average Assets, quarterly
  • $41,028Volatile liabilities
  • $40,267Insider loans
  • $33,574FHLB advances
  • $40,196Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,034Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,773Restructured Loans and leases
  • $600Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,928Total interest income
  • $321Total interest expense
  • $1,607Net interest income
  • $25Provision for loan and lease losses
  • $164Total noninterest income
  • $0Fiduciary activities
  • $143Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21Additional noninterest income
  • $1,165Total noninterest expense
  • $640Salaries and employee benefits
  • $261Premises and equipment expense
  • $264Additional noninterest expense
  • $581Pre-tax net operating income
  • $0Securities gains (losses)
  • $194Applicable income taxes
  • $387Income before extraordinary items
  • $0Extraordinary gains - net
  • $387Net income attributable to bank
  • $0Net charge-offs
  • $387Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $256Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 4.32%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 7.79%Return on equity (ROE)
  • 2.64%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 500.00%Credit loss provision to net charge-offs
  • 121.20%Efficiency ratio
  • 65,782Assets per employee
  • 4.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.15%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 5366.67%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 80.44%Net loans and leases to core deposits
  • 83.59%Equity capital to assets
  • 12.37%Core capital (leverage) ratio
  • 12.52%Tier 1 risk-based capital ratio
  • 14.99%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $41,028Average earning assets
  • $4,965Average equity
  • $37,159Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06803State Bank Of Slater201 West Maple, Slater, MO 65349January 01, 1895Full Service Brick and Mortar

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