FDIC Certificate #: 18653 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Empire Bank (#17633) Federal Reserve ID: 620051 Date Established: April 09, 1960 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) FDIC's unique #: 12533 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: December 05, 1962 Last Structure Change Effective Date: July 19, 2008 Last Structure Change Process Date: August 12, 2008 Last Data Update: August 12, 2008 Data Source Date: April 05, 2012
Location
Address: Interstate Hwy. 44 & State Hwy. 125, Strafford, MO 65757 County: Greene 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 Metropolitan Statistical Area (MSA): Springfield, MO (#7920) Core Based Statistical Area (CBSA): Springfield, MO (#44180) CBSA Metro Statistical Area: Springfield, MO (#44180)
Financial Summary
Total assets: $37.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
22Total employees (full-time equivalent)
$38,820Total assets
$5,162Cash and due from depository institutions
$4,246Interest-bearing balances
$14,596Securities
$0Federal funds sold & reverse repurchase agreements
$17,249Net loans & leases
$650Loan loss allowance
$0Trading account assets
$1,180Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$633All other assets
$38,820Total liabilities and capital
$35,903Total liabilities
$34,715Total deposits
$31,987Interest-bearing deposits
$34,715Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,008Other borrowed funds
$0Subordinated debt
$180All other liabilities
$2,917Total equity capital
$2,917Total bank equity capital
$2,917Perpetual preferred stock
$0Common stock
$250Surplus
$1,841Undivided profits
Memoranda
$826Noncurrent loans and leases
$1,428Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$390Earning assets
$0Long-term assets (5+ years)
$277Average Assets, year-to-date
$36,091Average Assets, quarterly
$10,011Volatile liabilities
$41,514Insider loans
$38,832FHLB advances
$5,259Loans and leases held for sale
$353Unused loan commitments
$1,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,428Total unused commitments
$0Restructured Loans and leases
$337Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$2,426Total interest income
$1,578Total interest expense
$848Net interest income
$528Provision for loan and lease losses
$162Total noninterest income
$0Fiduciary activities
$78Service charges on deposit accounts
$0Trading account gains & fees
$84Additional noninterest income
$1,695Total noninterest expense
$794Salaries and employee benefits
$272Premises and equipment expense
$629Additional noninterest expense
-$1,213Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$1,213Income before extraordinary items
$0Extraordinary gains - net
-$1,213Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$143Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.58%Yield on earning assets
4.28%Cost of funding earning assets
2.30%Net interest margin
0.44%Noninterest income to earning assets
4.60%Noninterest expense to earning assets
-2.92%Net operating income to assets
-2.92%Return on assets (ROA)
-2.92%Pretax return on assets
-40.19%Return on equity (ROE)
-40.19%Retained earnings to average equity (YTD only)
0.78%Net charge-offs to loans
369.23%Credit loss provision to net charge-offs
-4.79%Efficiency ratio
167,822Assets per employee
1.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.63%Loss allowance to noncurrent loans
166.67%Noncurrent assets plus other real estate owned to assets
1.00%Noncurrent loans to loans
2.18%Net loans and leases to deposits
49.69%Net loans and leases to core deposits
58.56%Equity capital to assets
7.51%Core capital (leverage) ratio
7.21%Tier 1 risk-based capital ratio
13.80%Total risk-based capital ratio
Memoranda
$15Average assets
$41,514Average earning assets
$3,018Average equity
$36,877Average loans
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