Stone County National Bank in Crane, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Stone County National Bank - Overview

  • General
  • FDIC Certificate #: 24858
    Status: Active
    Federal Reserve ID: 167556
    Bank Holding Company (Regulatory Top Holder): Stone County National Bancshares, Inc. (RSSDID: 1491230, Location: Crane, MO)
    Date Established: November 14, 1983
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 17236
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: November 14, 1983
    Last Structure Change Effective Date: Febuary 28, 2008
    Last Structure Change Process Date: June 02, 2008
    Last Data Update: June 02, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 203 Pirate Lane, Crane, MO 65633
    County: Stone
    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
    Core Based Statistical Area (CBSA): Branson, MO (#14700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $82.6 mil
    Equity capital: $9.0 mil
    Deposits held in domestic offices: $73.5 mil
    Return on assets (ROA): -0.56% (-$0.5 mil)
    Quarterly return on assets: -0.14% (-$0.1 mil)
    Return on Equity (ROE): -5.26% (-$0.5 mil)
    Quarterly return on equity: -1.32% (-$0.1 mil)
    Net income: -$0.5 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.56% (-$462.7 mil)
    Quarterly Pretax return on assets: -0.14% (-$115.7 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
  • 33Total employees (full-time equivalent)
  • $82,627Total assets
  • $13,930Cash and due from depository institutions
  • $11,619Interest-bearing balances
  • $29,324Securities
  • $514Federal funds sold & reverse repurchase agreements
  • $31,639Net loans & leases
  • $973Loan loss allowance
  • $0Trading account assets
  • $4,944Bank premises and fixed assets
  • $889Other real estate owned
  • $0Goodwill and other intangibles
  • $82,627Life insurance assets
  • $1,387All other assets
  • $73,676Total liabilities and capital
  • $73,528Total liabilities
  • $59,165Total deposits
  • $73,528Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $148Subordinated debt
  • $8,951All other liabilities
  • $8,951Total equity capital
  • $8,951Total bank equity capital
  • $0Perpetual preferred stock
  • $618Common stock
  • $1,440Surplus
  • $6,893Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $510Income earned, not collected on loans
  • $8Earning assets
  • $385Long-term assets (5+ years)
  • $73,096Average Assets, year-to-date
  • $25,694Average Assets, quarterly
  • $84,425Volatile liabilities
  • $83,015Insider loans
  • $41,976FHLB advances
  • $83,033Loans and leases held for sale
  • $400Unused loan commitments
  • $400Tier 1 (core) risk-based capital
  • $8,415Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,326Restructured Loans and leases
  • $10Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,484Total interest income
  • $531Total interest expense
  • $2,953Net interest income
  • $0Provision for loan and lease losses
  • -$54Total noninterest income
  • $0Fiduciary activities
  • $223Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$277Additional noninterest income
  • $3,330Total noninterest expense
  • $1,593Salaries and employee benefits
  • $610Premises and equipment expense
  • $1,127Additional noninterest expense
  • -$431Pre-tax net operating income
  • -$38Securities gains (losses)
  • $0Applicable income taxes
  • -$469Income before extraordinary items
  • $0Extraordinary gains - net
  • -$469Net income attributable to bank
  • $0Net charge-offs
  • -$469Cash dividends
  • $161Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.96%Net interest margin
  • -0.07%Noninterest income to earning assets
  • 4.46%Noninterest expense to earning assets
  • -0.51%Net operating income to assets
  • -0.56%Return on assets (ROA)
  • -0.56%Pretax return on assets
  • -5.26%Return on equity (ROE)
  • -5.26%Retained earnings to average equity (YTD only)
  • 0.45%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -2.68%Efficiency ratio
  • 114,867Assets per employee
  • 2.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.98%Loss allowance to noncurrent loans
  • 190.78%Noncurrent assets plus other real estate owned to assets
  • 1.69%Noncurrent loans to loans
  • 1.56%Net loans and leases to deposits
  • 43.03%Net loans and leases to core deposits
  • 43.18%Equity capital to assets
  • 10.83%Core capital (leverage) ratio
  • 10.13%Tier 1 risk-based capital ratio
  • 20.05%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $84,425Average earning assets
  • $8,911Average equity
  • $74,606Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017236Stone County National Bank203 Pirate Lane, Crane, MO 65633November 14, 1983Full Service Brick and Mortar
    1257687Village Branch8041 W. State Hwy 76, Cape Fair, MO 65624Febuary 10, 1986Full Service Brick and Mortar
    2257688Reeds Spring BranchIntersection Of Highways 13 And 76, Reeds Spring, MO 65737May 23, 1994Full Service Brick and Mortar
    3257689Galena Branch30667 State Hwy 413, Galena, MO 65656April 26, 1999Full Service Brick and Mortar
    4467522Table Rock Branch21159 Main St., Reeds Spring, MO 65737September 30, 2006Full Service Brick and Mortar

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