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

The Bank of Urbana - Overview

  • General
  • FDIC Certificate #: 10606
    Status: Active
    Federal Reserve ID: 378950
    Bank Holding Company (Regulatory Top Holder): Bancshares Of Urbana, Inc. (RSSDID: 1140426, Location: Urbana, MO)
    Date Established: January 01, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14729
    FDIC's unique #: 6796
    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: 109 N. Main St, Urbana, MO 65767
    County: Dallas
    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): Springfield, MO (#44180)
    CBSA Metro Statistical Area: Springfield, MO (#44180)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $161.8 mil
    Equity capital: $25.3 mil
    Deposits held in domestic offices: $135.7 mil
    Return on assets (ROA): 0.98% ($1.6 mil)
    Quarterly return on assets: 1.01% ($1.6 mil)
    Return on Equity (ROE): 6.55% ($1.6 mil)
    Quarterly return on equity: 6.49% ($1.6 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.22% ($1,974.2 mil)
    Quarterly Pretax return on assets: 1.06% ($1,715.3 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
  • 48Total employees (full-time equivalent)
  • $161,821Total assets
  • $8,222Cash and due from depository institutions
  • $1,270Interest-bearing balances
  • $72,751Securities
  • $289Federal funds sold & reverse repurchase agreements
  • $75,799Net loans & leases
  • $1,397Loan loss allowance
  • $0Trading account assets
  • $2,196Bank premises and fixed assets
  • $270Other real estate owned
  • $0Goodwill and other intangibles
  • $161,821Life insurance assets
  • $2,294All other assets
  • $136,552Total liabilities and capital
  • $135,731Total liabilities
  • $114,558Total deposits
  • $135,731Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $821Subordinated debt
  • $25,269All other liabilities
  • $25,269Total equity capital
  • $25,269Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $700Surplus
  • $24,419Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,842Income earned, not collected on loans
  • $13Earning assets
  • $1,211Long-term assets (5+ years)
  • $150,109Average Assets, year-to-date
  • $99,147Average Assets, quarterly
  • $160,831Volatile liabilities
  • $161,625Insider loans
  • $82,733FHLB advances
  • $159,974Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,634Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,774Restructured Loans and leases
  • $5Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,070Total interest income
  • $1,225Total interest expense
  • $5,845Net interest income
  • $300Provision for loan and lease losses
  • $677Total noninterest income
  • $0Fiduciary activities
  • $391Service charges on deposit accounts
  • $0Trading account gains & fees
  • $286Additional noninterest income
  • $4,263Total noninterest expense
  • $2,618Salaries and employee benefits
  • $418Premises and equipment expense
  • $1,227Additional noninterest expense
  • $1,959Pre-tax net operating income
  • $0Securities gains (losses)
  • $384Applicable income taxes
  • $1,575Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,575Net income attributable to bank
  • $0Net charge-offs
  • $1,575Cash dividends
  • $590Sale, conversion, retirement of capital stock, net
  • $420Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.70%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.89%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 6.55%Return on equity (ROE)
  • 4.80%Retained earnings to average equity (YTD only)
  • 0.74%Net charge-offs to loans
  • 50.85%Credit loss provision to net charge-offs
  • 3.83%Efficiency ratio
  • 65,363Assets per employee
  • 3.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.67%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 75.84%Noncurrent assets plus other real estate owned to assets
  • 1.31%Noncurrent loans to loans
  • 2.39%Net loans and leases to deposits
  • 55.85%Net loans and leases to core deposits
  • 56.66%Equity capital to assets
  • 15.62%Core capital (leverage) ratio
  • 15.40%Tier 1 risk-based capital ratio
  • 29.78%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $160,831Average earning assets
  • $24,050Average equity
  • $150,329Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06796The Bank Of Urbana109 N. Main St, Urbana, MO 65767January 01, 1903Full Service Brick and Mortar
    1222780Buffalo Branch1108 South Ash Street, Buffalo, MO 65622Febuary 20, 1996Full Service Brick and Mortar
    2222781Hermitage BranchU.S. Highway 54 And Lakeshore Drive, Hermitage, MO 65668March 13, 1996Full Service Brick and Mortar
    3430023Macks Creek Branch14469 West Us Highway 54, Macks Creek, MO 65786April 01, 2004Full Service Brick and Mortar

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