FDIC Certificate #: 26358 Status: Active Federal Reserve ID: 293754 Bank Holding Company (Regulatory Top Holder): State Bancshares, Inc. (RSSDID: 1404678, Location: Springfield, MO) Date Established: September 16, 1985 WWW:http://www.statebankonline.net Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 32916 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: September 16, 1985 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: 3310 East Sunshine Street, Springfield, MO 65804 County: Greene 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): Springfield, MO (#7920) Core Based Statistical Area (CBSA): Springfield, MO (#44180) CBSA Metro Statistical Area: Springfield, MO (#44180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $88.0 mil Equity capital: $6.7 mil Deposits held in domestic offices: $75.9 mil Return on assets (ROA): 1.42% ($1.2 mil) Quarterly return on assets: 2.21% ($1.9 mil) Return on Equity (ROE): 18.98% ($1.3 mil) Quarterly return on equity: 29.47% ($2.1 mil) Net income: $1.2 mil Quarterly Net income: $0.5 mil Pretax return on assets: 1.42% ($1,248.9 mil) Quarterly Pretax return on assets: 2.21% ($1,943.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$87,951Total assets
$1,114Cash and due from depository institutions
$0Interest-bearing balances
$6,194Securities
$9,987Federal funds sold & reverse repurchase agreements
$67,074Net loans & leases
$455Loan loss allowance
$0Trading account assets
$2,056Bank premises and fixed assets
$78Other real estate owned
$0Goodwill and other intangibles
$87,951Life insurance assets
$1,448All other assets
$81,222Total liabilities and capital
$75,939Total liabilities
$62,853Total deposits
$75,939Interest-bearing deposits
$95Deposits held in domestic offices
5221.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$62Subordinated debt
$6,729All other liabilities
$6,729Total equity capital
$6,729Total bank equity capital
$0Perpetual preferred stock
$650Common stock
$850Surplus
$5,229Undivided profits
Memoranda
$0Noncurrent loans and leases
$925Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$177Long-term assets (5+ years)
$83,255Average Assets, year-to-date
$6,473Average Assets, quarterly
$87,057Volatile liabilities
$86,669Insider loans
$60,877FHLB advances
$85,540Loans and leases held for sale
$731Unused loan commitments
$731Tier 1 (core) risk-based capital
$6,694Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,529Restructured Loans and leases
$413Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,123Total interest income
$688Total interest expense
$3,435Net interest income
$132Provision for loan and lease losses
$726Total noninterest income
$0Fiduciary activities
$102Service charges on deposit accounts
$0Trading account gains & fees
$624Additional noninterest income
$2,789Total noninterest expense
$1,760Salaries and employee benefits
$315Premises and equipment expense
$714Additional noninterest expense
$1,240Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,240Income before extraordinary items
$0Extraordinary gains - net
$1,240Net income attributable to bank
$0Net charge-offs
$1,240Cash dividends
$127Sale, conversion, retirement of capital stock, net
$1,225Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.04%Yield on earning assets
0.84%Cost of funding earning assets
4.20%Net interest margin
0.89%Noninterest income to earning assets
3.41%Noninterest expense to earning assets
1.42%Net operating income to assets
1.42%Return on assets (ROA)
1.42%Pretax return on assets
18.98%Return on equity (ROE)
0.23%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
103.94%Credit loss provision to net charge-offs
10.80%Efficiency ratio
67,027Assets per employee
4.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
98.79%Loss allowance to loans
0.67%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.09%Noncurrent loans to loans
0.00%Net loans and leases to deposits
88.33%Net loans and leases to core deposits
94.38%Equity capital to assets
7.65%Core capital (leverage) ratio
7.83%Tier 1 risk-based capital ratio
11.00%Total risk-based capital ratio
Memoranda
$12Average assets
$87,057Average earning assets
$6,532Average equity
$81,730Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
32916
State Bank Of Southwest Missouri
3310 East Sunshine Street, Springfield, MO 65804
September 16, 1985
Full Service Brick and Mortar
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