The Bank of Macks Creek in Macks Creek, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Macks Creek - Overview

  • General
  • FDIC Certificate #: 9797
    Status: Active
    Federal Reserve ID: 666059
    Bank Holding Company (Regulatory Top Holder): Macks Creek Bancshares, Inc. (RSSDID: 2797621, Location: Macks Creek, MO)
    Date Established: May 15, 1911
    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 #: 6276
    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: All Other Specialization < 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: 41 State Rd W, Macks Creek, MO 65786
    County: Camden
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $21.3 mil
    Equity capital: $1.5 mil
    Deposits held in domestic offices: $19.7 mil
    Return on assets (ROA): 0.05% ($0.0 mil)
    Quarterly return on assets: -0.24% (-$0.1 mil)
    Return on Equity (ROE): 0.69% ($0.0 mil)
    Quarterly return on equity: -3.36% (-$0.1 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.05% ($10.6 mil)
    Quarterly Pretax return on assets: -0.24% (-$51.0 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
  • 9Total employees (full-time equivalent)
  • $21,261Total assets
  • $2,415Cash and due from depository institutions
  • $1,156Interest-bearing balances
  • $2,108Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $13,465Net loans & leases
  • $510Loan loss allowance
  • $0Trading account assets
  • $128Bank premises and fixed assets
  • $2,909Other real estate owned
  • $0Goodwill and other intangibles
  • $21,261Life insurance assets
  • $236All other assets
  • $19,720Total liabilities and capital
  • $19,670Total liabilities
  • $16,362Total deposits
  • $19,670Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $50Subordinated debt
  • $1,541All other liabilities
  • $1,541Total equity capital
  • $1,541Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $2,800Surplus
  • $-1,309Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $285Income earned, not collected on loans
  • $0Earning assets
  • $104Long-term assets (5+ years)
  • $16,729Average Assets, year-to-date
  • $299Average Assets, quarterly
  • $21,659Volatile liabilities
  • $21,250Insider loans
  • $14,254FHLB advances
  • $21,239Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,522Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $359Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,047Total interest income
  • $203Total interest expense
  • $844Net interest income
  • $36Provision for loan and lease losses
  • $62Total noninterest income
  • $0Fiduciary activities
  • $71Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$9Additional noninterest income
  • $860Total noninterest expense
  • $346Salaries and employee benefits
  • $82Premises and equipment expense
  • $432Additional noninterest expense
  • $10Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $10Income before extraordinary items
  • $0Extraordinary gains - net
  • $10Net income attributable to bank
  • $0Net charge-offs
  • $10Cash dividends
  • $146Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.21%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 5.01%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 5.10%Noninterest expense to earning assets
  • 0.05%Net operating income to assets
  • 0.05%Return on assets (ROA)
  • 0.05%Pretax return on assets
  • 0.69%Return on equity (ROE)
  • 0.69%Retained earnings to average equity (YTD only)
  • 1.03%Net charge-offs to loans
  • 24.66%Credit loss provision to net charge-offs
  • 0.32%Efficiency ratio
  • 94,923Assets per employee
  • 2.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.65%Loss allowance to noncurrent loans
  • 178.95%Noncurrent assets plus other real estate owned to assets
  • 15.02%Noncurrent loans to loans
  • 2.04%Net loans and leases to deposits
  • 68.45%Net loans and leases to core deposits
  • 68.45%Equity capital to assets
  • 7.25%Core capital (leverage) ratio
  • 7.17%Tier 1 risk-based capital ratio
  • 10.68%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $21,659Average earning assets
  • $1,458Average equity
  • $16,862Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06276The Bank Of Macks Creek41 State Rd W, Macks Creek, MO 65786May 15, 1911Full Service Brick and Mortar

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