The Hamilton Bank in Hamilton, Missouri (MO)



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Table of contents:
The Hamilton Bank
GeneralFDIC Certificate #: 15606
Status: Active
Federal Reserve ID: 723550
Bank Holding Company (Regulatory Top Holder): Prism Group, Inc. (RSSDID: 1854303, Location: Hamilton, MO)
Date Established: June 11, 1938
WWW: http://www.hamiltonbank.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 11974
FDIC's unique #: 9890
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: June 11, 1938
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: 111 North Davis Street, Hamilton, MO 64644
County: Caldwell
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
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $53.6 mil
Equity capital: $5.6 mil
Deposits held in domestic offices: $46.8 mil
Return on assets (ROA): 0.67% ($0.4 mil)
Quarterly return on assets: 0.40% ($0.2 mil)
Return on Equity (ROE): 6.18% ($0.4 mil)
Quarterly return on equity: 3.74% ($0.2 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.69% ($369.6 mil)
Quarterly Pretax return on assets: 0.34% ($182.1 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)17
Total assets$53,568
Cash and due from depository institutions$9,704
Interest-bearing balances$6,284
Securities$9,759
Federal funds sold & reverse repurchase agreements$1,176
Net loans & leases$31,353
Loan loss allowance $229
Trading account assets$0
Bank premises and fixed assets$800
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$776
Life insurance assets$53,568
Total liabilities and capital$47,942
Total liabilities$46,837
Total deposits$40,447
Interest-bearing deposits$46,837
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,000
Other borrowed funds $0
Subordinated debt $105
All other liabilities $5,626
Total equity capital$5,626
Total bank equity capital$5,626
Perpetual preferred stock$0
Common stock$150
Surplus$200
Undivided profits $5,276
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 $516
Earning assets $0
Long-term assets (5+ years) $438
Average Assets, year-to-date $48,572
Average Assets, quarterly $12,551
Volatile liabilities $51,391
Insider loans $52,472
FHLB advances $35,704
Loans and leases held for sale $53,072
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,366
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,512
Derivatives$166
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,287
Total interest expense $487
Net interest income $1,800
Provision for loan and lease losses $0
Total noninterest income $306
Fiduciary activities $0
Service charges on deposit accounts $252
Trading account gains & fees $0
Additional noninterest income $54
Total noninterest expense $1,752
Salaries and employee benefits $1,072
Premises and equipment expense $337
Additional noninterest expense $343
Pre-tax net operating income $354
Securities gains (losses) $0
Applicable income taxes $9
Income before extraordinary items $345
Extraordinary gains - net $0
Net income attributable to bank $345
Net charge-offs $0
Cash dividends $345
Sale, conversion, retirement of capital stock, net $18
Net operating income $330
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.86%
Cost of funding earning assets 1.04%
Net interest margin 3.83%
Noninterest income to earning assets 0.65%
Noninterest expense to earning assets 3.72%
Net operating income to assets 0.67%
Return on assets (ROA) 0.67%
Pretax return on assets 0.69%
Return on equity (ROE) 6.18%
Retained earnings to average equity (YTD only) 0.27%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio19.67%
Assets per employee$83,191
Cash dividends to net income (YTD only)3.15%
Condition Ratios (%)
Loss allowance to loans 95.65%
Loss allowance to noncurrent loans 0.73%
Noncurrent assets plus other real estate owned to assets 44.38%
Noncurrent loans to loans 0.96%
Net loans and leases to deposits1.63%
Net loans and leases to core deposits 66.94%
Equity capital to assets 70.17%
Core capital (leverage) ratio 10.50%
Tier 1 risk-based capital ratio 10.11%
Total risk-based capital ratio 15.03%
Memoranda
Average assets$16
Average earning assets$51,391
Average equity $5,583
Average loans $47,050
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3 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09890The Hamilton Bank111 North Davis Street, Hamilton, MO 64644June 11, 1938Full Service Brick and Mortar
1234656Breckenridge Facility190 South 7th Street, Breckenridge, MO 64625May 19, 1975Full Service Brick and Mortar
2511997Lathroup Facility Branch214 North Street, Lathrop, MO 64465August 30, 2010Full Service Brick and Mortar
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