The Bank of Fairport in Maysville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Bank of Fairport in Maysville, Missouri (MO)
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The Bank of Fairport - Overview

  • General
  • FDIC Certificate #: 9377
    Status: Active
    Federal Reserve ID: 892250
    Bank Holding Company (Regulatory Top Holder): Fairport Bancshares, Inc. (RSSDID: 2224417, Location: Maysville, MO)
    Date Established: March 08, 1909
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 6022
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    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: 6520 N. State Route A, Maysville, MO 64469
    County: Dekalb
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $25.5 mil
    Equity capital: $2.3 mil
    Deposits held in domestic offices: $23.1 mil
    Return on assets (ROA): 0.06% ($0.0 mil)
    Quarterly return on assets: -0.64% (-$0.2 mil)
    Return on Equity (ROE): 0.73% ($0.0 mil)
    Quarterly return on equity: -7.00% (-$0.1 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.08% ($20.4 mil)
    Quarterly Pretax return on assets: -0.88% (-$224.1 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
  • 12Total employees (full-time equivalent)
  • $25,466Total assets
  • $1,563Cash and due from depository institutions
  • $49Interest-bearing balances
  • $13,728Securities
  • $2Federal funds sold & reverse repurchase agreements
  • $9,264Net loans & leases
  • $267Loan loss allowance
  • $0Trading account assets
  • $502Bank premises and fixed assets
  • $5Other real estate owned
  • $28Goodwill and other intangibles
  • $25,466Life insurance assets
  • $374All other assets
  • $23,194Total liabilities and capital
  • $23,107Total liabilities
  • $19,380Total deposits
  • $23,107Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $87Subordinated debt
  • $2,272All other liabilities
  • $2,272Total equity capital
  • $2,272Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $189Surplus
  • $2,033Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $790Income earned, not collected on loans
  • $0Earning assets
  • $187Long-term assets (5+ years)
  • $23,043Average Assets, year-to-date
  • $12,152Average Assets, quarterly
  • $24,935Volatile liabilities
  • $25,123Insider loans
  • $18,879FHLB advances
  • $25,826Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,935Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $9Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,112Total interest income
  • $249Total interest expense
  • $863Net interest income
  • $30Provision for loan and lease losses
  • $106Total noninterest income
  • $0Fiduciary activities
  • $79Service charges on deposit accounts
  • $0Trading account gains & fees
  • $27Additional noninterest income
  • $918Total noninterest expense
  • $479Salaries and employee benefits
  • $159Premises and equipment expense
  • $280Additional noninterest expense
  • $21Pre-tax net operating income
  • $0Securities gains (losses)
  • $6Applicable income taxes
  • $15Income before extraordinary items
  • $0Extraordinary gains - net
  • $15Net income attributable to bank
  • $0Net charge-offs
  • $15Cash dividends
  • $87Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 4.12%Noninterest expense to earning assets
  • 0.06%Net operating income to assets
  • 0.06%Return on assets (ROA)
  • 0.08%Pretax return on assets
  • 0.73%Return on equity (ROE)
  • 0.73%Retained earnings to average equity (YTD only)
  • 0.85%Net charge-offs to loans
  • 34.48%Credit loss provision to net charge-offs
  • 0.59%Efficiency ratio
  • 94,737Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.80%Loss allowance to noncurrent loans
  • 33.80%Noncurrent assets plus other real estate owned to assets
  • 3.12%Noncurrent loans to loans
  • 8.29%Net loans and leases to deposits
  • 40.09%Net loans and leases to core deposits
  • 40.09%Equity capital to assets
  • 8.92%Core capital (leverage) ratio
  • 7.49%Tier 1 risk-based capital ratio
  • 10.25%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $24,935Average earning assets
  • $2,058Average equity
  • $22,283Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06022The Bank Of Fairport6520 N. State Route A, Maysville, MO 64469March 08, 1909Full Service Brick and Mortar
    1220009Maysville Branch401 West Main Street, Maysville, MO 64469January 11, 1993Full Service Brick and Mortar
    2432836The Bank Of Fairport - Osborn Branch593 Clinton Avenue, Osborn, MO 64474October 25, 2004Full Service Brick and Mortar
    333226Clarksdale Branch202 N Main Street, Clarksdale, MO 64430November 21, 1985Full Service Brick and Mortar

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