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


The Bank of Orrick - Overview

  • General
  • FDIC Certificate #: 10597
    Status: Active
    Federal Reserve ID: 1003950
    Date Established: July 02, 1902
    WWW: http://www.bankoforrick.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 6792
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 12, 2010
    Last Structure Change Process Date: August 12, 2010
    Last Data Update: August 12, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 113 E. South Front St., Orrick, MO 64077
    County: Ray
    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
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $34.9 mil
    Equity capital: $3.6 mil
    Deposits held in domestic offices: $31.2 mil
    Return on assets (ROA): -1.12% (-$0.4 mil)
    Quarterly return on assets: -0.78% (-$0.3 mil)
    Return on Equity (ROE): -9.98% (-$0.4 mil)
    Quarterly return on equity: -7.15% (-$0.3 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -1.77% (-$617.3 mil)
    Quarterly Pretax return on assets: -1.69% (-$589.4 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
  • 11Total employees (full-time equivalent)
  • $34,877Total assets
  • $6,277Cash and due from depository institutions
  • $5,000Interest-bearing balances
  • $6,564Securities
  • $785Federal funds sold & reverse repurchase agreements
  • $19,863Net loans & leases
  • $565Loan loss allowance
  • $0Trading account assets
  • $374Bank premises and fixed assets
  • $287Other real estate owned
  • $0Goodwill and other intangibles
  • $34,877Life insurance assets
  • $727All other assets
  • $31,236Total liabilities and capital
  • $31,202Total liabilities
  • $24,946Total deposits
  • $31,202Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $34Subordinated debt
  • $3,641All other liabilities
  • $3,641Total equity capital
  • $3,641Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $300Surplus
  • $3,241Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,105Income earned, not collected on loans
  • $0Earning assets
  • $325Long-term assets (5+ years)
  • $32,212Average Assets, year-to-date
  • $12,227Average Assets, quarterly
  • $34,316Volatile liabilities
  • $34,023Insider loans
  • $21,425FHLB advances
  • $33,751Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,432Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,377Restructured Loans and leases
  • $1,265Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,492Total interest income
  • $203Total interest expense
  • $1,289Net interest income
  • $579Provision for loan and lease losses
  • $64Total noninterest income
  • $0Fiduciary activities
  • $49Service charges on deposit accounts
  • $0Trading account gains & fees
  • $15Additional noninterest income
  • $1,381Total noninterest expense
  • $848Salaries and employee benefits
  • $204Premises and equipment expense
  • $329Additional noninterest expense
  • -$607Pre-tax net operating income
  • $0Securities gains (losses)
  • -$221Applicable income taxes
  • -$386Income before extraordinary items
  • $0Extraordinary gains - net
  • -$386Net income attributable to bank
  • $0Net charge-offs
  • -$386Cash dividends
  • $426Sale, conversion, retirement of capital stock, net
  • $75Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 4.33%Noninterest expense to earning assets
  • -1.12%Net operating income to assets
  • -1.12%Return on assets (ROA)
  • -1.77%Pretax return on assets
  • -9.98%Return on equity (ROE)
  • -11.92%Retained earnings to average equity (YTD only)
  • 2.01%Net charge-offs to loans
  • 135.92%Credit loss provision to net charge-offs
  • -0.07%Efficiency ratio
  • 102,069Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -19.43%Loss allowance to loans
  • 2.77%Loss allowance to noncurrent loans
  • 51.13%Noncurrent assets plus other real estate owned to assets
  • 3.99%Noncurrent loans to loans
  • 5.41%Net loans and leases to deposits
  • 63.66%Net loans and leases to core deposits
  • 64.61%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 10.17%Tier 1 risk-based capital ratio
  • 16.02%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $34,316Average earning assets
  • $3,868Average equity
  • $31,926Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06792The Bank Of Orrick113 E. South Front St., Orrick, MO 64077July 02, 1902Full Service Brick and Mortar
    1360314Highway Z Branch600 Highway Z, Orrick, MO 64077June 01, 2001Limited Service Facility

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