The Bank of Macks Creek in Macks Creek, Missouri (MO)



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The Bank of Macks Creek routing number info

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The Bank of Macks Creek
GeneralFDIC 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
WWW: http://www.bankofmc.com
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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)9
Total assets$21,261
Cash and due from depository institutions$2,415
Interest-bearing balances$1,156
Securities$2,108
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$13,465
Loan loss allowance $510
Trading account assets$0
Bank premises and fixed assets$128
Other real estate owned$2,909
Goodwill and other intangibles$0
All other assets$236
Life insurance assets$21,261
Total liabilities and capital$19,720
Total liabilities$19,670
Total deposits$16,362
Interest-bearing deposits$19,670
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $50
All other liabilities $1,541
Total equity capital$1,541
Total bank equity capital$1,541
Perpetual preferred stock$0
Common stock$50
Surplus$2,800
Undivided profits $-1,309
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $285
Earning assets $0
Long-term assets (5+ years) $104
Average Assets, year-to-date $16,729
Average Assets, quarterly $299
Volatile liabilities $21,659
Insider loans $21,250
FHLB advances $14,254
Loans and leases held for sale $21,239
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $1,522
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $359
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,047
Total interest expense $203
Net interest income $844
Provision for loan and lease losses $36
Total noninterest income $62
Fiduciary activities $0
Service charges on deposit accounts $71
Trading account gains & fees $0
Additional noninterest income -$9
Total noninterest expense $860
Salaries and employee benefits $346
Premises and equipment expense $82
Additional noninterest expense $432
Pre-tax net operating income $10
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $10
Extraordinary gains - net $0
Net income attributable to bank $10
Net charge-offs $0
Cash dividends $10
Sale, conversion, retirement of capital stock, net $146
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.21%
Cost of funding earning assets 1.20%
Net interest margin 5.01%
Noninterest income to earning assets 0.37%
Noninterest expense to earning assets 5.10%
Net operating income to assets 0.05%
Return on assets (ROA) 0.05%
Pretax return on assets 0.05%
Return on equity (ROE) 0.69%
Retained earnings to average equity (YTD only) 0.69%
Net charge-offs to loans 1.03%
Credit loss provision to net charge-offs 24.66%
Efficiency ratio0.32%
Assets per employee$94,923
Cash dividends to net income (YTD only)2.36%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.65%
Noncurrent assets plus other real estate owned to assets 178.95%
Noncurrent loans to loans 15.02%
Net loans and leases to deposits2.04%
Net loans and leases to core deposits 68.45%
Equity capital to assets 68.45%
Core capital (leverage) ratio 7.25%
Tier 1 risk-based capital ratio 7.17%
Total risk-based capital ratio 10.68%
Memoranda
Average assets$12
Average earning assets$21,659
Average equity $1,458
Average loans $16,862
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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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