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

The Bank of Versailles - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 41Total employees (full-time equivalent)
  • $265,022Total assets
  • $16,748Cash and due from depository institutions
  • $11,003Interest-bearing balances
  • $35,062Securities
  • $2,742Federal funds sold & reverse repurchase agreements
  • $196,162Net loans & leases
  • $11,197Loan loss allowance
  • $0Trading account assets
  • $3,802Bank premises and fixed assets
  • $8,327Other real estate owned
  • $0Goodwill and other intangibles
  • $265,022Life insurance assets
  • $2,179All other assets
  • $244,390Total liabilities and capital
  • $239,089Total liabilities
  • $219,384Total deposits
  • $239,089Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,100Trading liabilities
  • $0Other borrowed funds
  • $201Subordinated debt
  • $20,632All other liabilities
  • $20,632Total equity capital
  • $20,632Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $3,350Surplus
  • $16,682Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $25,451Income earned, not collected on loans
  • $0Earning assets
  • $1,288Long-term assets (5+ years)
  • $244,969Average Assets, year-to-date
  • $77,860Average Assets, quarterly
  • $288,782Volatile liabilities
  • $270,409Insider loans
  • $167,747FHLB advances
  • $265,542Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,561Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,646Restructured Loans and leases
  • $543Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,819Total interest income
  • $2,525Total interest expense
  • $9,294Net interest income
  • $5,572Provision for loan and lease losses
  • -$2,972Total noninterest income
  • $0Fiduciary activities
  • $254Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$3,226Additional noninterest income
  • $6,330Total noninterest expense
  • $2,688Salaries and employee benefits
  • $426Premises and equipment expense
  • $3,216Additional noninterest expense
  • -$5,580Pre-tax net operating income
  • $894Securities gains (losses)
  • $1,407Applicable income taxes
  • -$6,093Income before extraordinary items
  • $0Extraordinary gains - net
  • -$6,093Net income attributable to bank
  • $0Net charge-offs
  • -$6,093Cash dividends
  • $4,215Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.50%Net interest margin
  • -1.12%Noninterest income to earning assets
  • 2.38%Noninterest expense to earning assets
  • -2.42%Net operating income to assets
  • -2.11%Return on assets (ROA)
  • -1.62%Pretax return on assets
  • -25.71%Return on equity (ROE)
  • -25.71%Retained earnings to average equity (YTD only)
  • 1.92%Net charge-offs to loans
  • 132.19%Credit loss provision to net charge-offs
  • -0.00%Efficiency ratio
  • 100,127Assets per employee
  • 6.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.40%Loss allowance to noncurrent loans
  • 43.99%Noncurrent assets plus other real estate owned to assets
  • 12.75%Noncurrent loans to loans
  • 12.27%Net loans and leases to deposits
  • 82.05%Net loans and leases to core deposits
  • 84.39%Equity capital to assets
  • 7.79%Core capital (leverage) ratio
  • 7.74%Tier 1 risk-based capital ratio
  • 12.26%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $288,782Average earning assets
  • $23,700Average equity
  • $265,753Average loans

List of branches

  • 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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