The Bank of Versailles in Versailles, Missouri (MO)



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The Bank of Versailles
GeneralFDIC Certificate #: 1086
Status: Active
Federal Reserve ID: 625850
Bank Holding Company (Regulatory Top Holder): Bov Holding Company (RSSDID: 3643837, Location: Versailles, MO)
Date Established: January 01, 1882
WWW: http://www.bankov.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 731
Numeric code: 13
Regulator: FED
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: Mortgage Lending Specialization
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: 113 East Newton Street, Versailles, MO 65084
County: Morgan
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Columbia Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $265.0 mil
Equity capital: $20.6 mil
Deposits held in domestic offices: $239.1 mil
Return on assets (ROA): -2.11% (-$5.6 mil)
Quarterly return on assets: -0.34% (-$0.9 mil)
Return on Equity (ROE): -25.71% (-$5.4 mil)
Quarterly return on equity: -4.44% (-$0.9 mil)
Net income: -$6.1 mil
Quarterly Net income: -$0.2 mil
Pretax return on assets: -1.62% (-$4,293.4 mil)
Quarterly Pretax return on assets: -0.05% (-$132.5 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)41
Total assets$265,022
Cash and due from depository institutions$16,748
Interest-bearing balances$11,003
Securities$35,062
Federal funds sold & reverse repurchase agreements$2,742
Net loans & leases$196,162
Loan loss allowance $11,197
Trading account assets$0
Bank premises and fixed assets$3,802
Other real estate owned$8,327
Goodwill and other intangibles$0
All other assets$2,179
Life insurance assets$265,022
Total liabilities and capital$244,390
Total liabilities$239,089
Total deposits$219,384
Interest-bearing deposits$239,089
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,100
Other borrowed funds $0
Subordinated debt $201
All other liabilities $20,632
Total equity capital$20,632
Total bank equity capital$20,632
Perpetual preferred stock$0
Common stock$600
Surplus$3,350
Undivided profits $16,682
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 $25,451
Earning assets $0
Long-term assets (5+ years) $1,288
Average Assets, year-to-date $244,969
Average Assets, quarterly $77,860
Volatile liabilities $288,782
Insider loans $270,409
FHLB advances $167,747
Loans and leases held for sale $265,542
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $20,561
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,646
Derivatives$543
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,819
Total interest expense $2,525
Net interest income $9,294
Provision for loan and lease losses $5,572
Total noninterest income -$2,972
Fiduciary activities $0
Service charges on deposit accounts $254
Trading account gains & fees $0
Additional noninterest income -$3,226
Total noninterest expense $6,330
Salaries and employee benefits $2,688
Premises and equipment expense $426
Additional noninterest expense $3,216
Pre-tax net operating income -$5,580
Securities gains (losses) $894
Applicable income taxes $1,407
Income before extraordinary items -$6,093
Extraordinary gains - net $0
Net income attributable to bank -$6,093
Net charge-offs $0
Cash dividends -$6,093
Sale, conversion, retirement of capital stock, net $4,215
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 assets4.45%
Cost of funding earning assets 0.95%
Net interest margin 3.50%
Noninterest income to earning assets -1.12%
Noninterest expense to earning assets 2.38%
Net operating income to assets -2.42%
Return on assets (ROA) -2.11%
Pretax return on assets -1.62%
Return on equity (ROE) -25.71%
Retained earnings to average equity (YTD only) -25.71%
Net charge-offs to loans 1.92%
Credit loss provision to net charge-offs 132.19%
Efficiency ratio-0.00%
Assets per employee$100,127
Cash dividends to net income (YTD only)6.46%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 5.40%
Noncurrent assets plus other real estate owned to assets 43.99%
Noncurrent loans to loans 12.75%
Net loans and leases to deposits12.27%
Net loans and leases to core deposits 82.05%
Equity capital to assets 84.39%
Core capital (leverage) ratio 7.79%
Tier 1 risk-based capital ratio 7.74%
Total risk-based capital ratio 12.26%
Memoranda
Average assets$14
Average earning assets$288,782
Average equity $23,700
Average loans $265,753
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4 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0731The Bank Of Versailles113 East Newton Street, Versailles, MO 65084January 01, 1882Full Service Brick and Mortar
1187882Motor Branch111 North Fisher Street, Versailles, MO 65084July 31, 1970Limited Service Facility
2187883Laurie Banking FacilityHighway 5 And Route O, Laurie, MO 65038March 29, 1977Full Service Brick and Mortar
3187884Highway 5 And Junction 7 BranchHighway 5 And Junction 7, Camdenton, MO 65020November 03, 1997Full Service Brick and Mortar
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