The Nodaway Valley Bank in Maryville, Missouri (MO)
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| The Nodaway Valley Bank | |
|---|---|
| General | FDIC Certificate #: 8904 Status: Active Federal Reserve ID: 770657 Bank Holding Company (Regulatory Top Holder): Nodaway Valley Bancshares, Inc. (RSSDID: 1066414, Location: Maryville, MO) Date Established: December 12, 1868 WWW: http://www.nvb.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 10 (Domestic: 10, Interstate: No) OTS Docket #: 11379 FDIC's unique #: 5693 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: January 01, 1934 Last Structure Change Effective Date: May 25, 2007 Last Structure Change Process Date: May 31, 2007 Last Data Update: May 31, 2007 Data Source Date: April 05, 2012 |
| Location | Address: Third And Main Streets, Maryville, MO 64468 County: Nodaway 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 Core Based Statistical Area (CBSA): Maryville, MO (#32340) CBSA Micro Statistical Area: Yes |
| History of Changes | Office Purchased |
| Financial Summary | Total assets: $759.7 mil Equity capital: $85.2 mil Deposits held in domestic offices: $639.9 mil Return on assets (ROA): 1.78% ($13.5 mil) Quarterly return on assets: 1.20% ($9.1 mil) Return on Equity (ROE): 15.67% ($13.3 mil) Quarterly return on equity: 10.56% ($9.0 mil) Net income: $12.9 mil Quarterly Net income: $2.2 mil Pretax return on assets: 1.78% ($13,521.8 mil) Quarterly Pretax return on assets: 1.20% ($9,115.8 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 160 |
| Total assets | $759,652 |
| Cash and due from depository institutions | $90,623 |
| Interest-bearing balances | $73,386 |
| Securities | $117,869 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $494,875 |
| Loan loss allowance | $8,657 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $19,681 |
| Other real estate owned | $1,795 |
| Goodwill and other intangibles | $16,828 |
| All other assets | $17,981 |
| Life insurance assets | $759,652 |
| Total liabilities and capital | $674,407 |
| Total liabilities | $639,888 |
| Total deposits | $525,414 |
| Interest-bearing deposits | $639,888 |
| Deposits held in domestic offices | $93 |
| % insured (estimated) | 18064.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $12,007 |
| Other borrowed funds | $0 |
| Subordinated debt | $4,448 |
| All other liabilities | $85,245 |
| Total equity capital | $85,245 |
| Total bank equity capital | $85,245 |
| Perpetual preferred stock | $0 |
| Common stock | $600 |
| Surplus | $39,346 |
| Undivided profits | $45,299 |
| 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 | $9,269 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $5,917 |
| Average Assets, year-to-date | $686,130 |
| Average Assets, quarterly | $111,567 |
| Volatile liabilities | $726,982 |
| Insider loans | $747,819 |
| FHLB advances | $538,658 |
| Loans and leases held for sale | $736,715 |
| Unused loan commitments | $7,932 |
| Tier 1 (core) risk-based capital | $4,942 |
| Tier 2 risk-based capital | $67,922 |
| Total risk weighted assets | $0 |
| Total unused commitments | $2,990 |
| Restructured Loans and leases | $19,671 |
| Derivatives | $10,238 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $34,275 |
| Total interest expense | $6,217 |
| Net interest income | $28,058 |
| Provision for loan and lease losses | $2,424 |
| Total noninterest income | $7,606 |
| Fiduciary activities | $9 |
| Service charges on deposit accounts | $3,306 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $4,291 |
| Total noninterest expense | $20,350 |
| Salaries and employee benefits | $11,060 |
| Premises and equipment expense | $2,696 |
| Additional noninterest expense | $6,594 |
| Pre-tax net operating income | $12,890 |
| Securities gains (losses) | $66 |
| Applicable income taxes | $22 |
| Income before extraordinary items | $12,934 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $12,934 |
| Net charge-offs | $0 |
| Cash dividends | $12,934 |
| Sale, conversion, retirement of capital stock, net | $359 |
| Net operating income | $8,956 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.21% |
| Cost of funding earning assets | 0.95% |
| Net interest margin | 4.27% |
| Noninterest income to earning assets | 1.16% |
| Noninterest expense to earning assets | 3.09% |
| Net operating income to assets | 1.77% |
| Return on assets (ROA) | 1.78% |
| Pretax return on assets | 1.78% |
| Return on equity (ROE) | 15.67% |
| Retained earnings to average equity (YTD only) | 4.82% |
| Net charge-offs to loans | 0.07% |
| Credit loss provision to net charge-offs | 675.21% |
| Efficiency ratio | 42.66% |
| Assets per employee | $56,368 |
| Cash dividends to net income (YTD only) | 4.75% |
| Condition Ratios (%) | |
| Loss allowance to loans | 69.24% |
| Loss allowance to noncurrent loans | 1.72% |
| Noncurrent assets plus other real estate owned to assets | 93.40% |
| Noncurrent loans to loans | 1.46% |
| Net loans and leases to deposits | 1.84% |
| Net loans and leases to core deposits | 77.34% |
| Equity capital to assets | 81.62% |
| Core capital (leverage) ratio | 11.22% |
| Tier 1 risk-based capital ratio | 9.22% |
| Total risk-based capital ratio | 12.61% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $726,982 |
| Average equity | $82,515 |
| Average loans | $657,609 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $2,118 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $2,118 |
| Employee benefit-defined contribution accounts | $2,118 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $0 |
| Number of Accounts | 7 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 9 Missouri Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 5693 | The Nodaway Valley Bank | Third And Main Streets, Maryville, MO 64468 | December 12, 1868 | Full Service Brick and Mortar |  |
| 1 | 219149 | Nodaway Valley West Drive Through | 209 North Buchanan Street, Maryville, MO 64468 | June 01, 1965 | Limited Service Facility |  |
| 2 | 219150 | Nodaway Valley South Drive Through | 1303 South Main, Maryville, MO 64468 | May 15, 1974 | Limited Service Facility | |
| 4 | 264385 | Savannah Branch | 301 South 71 Highway, Savannah, MO 64485 | January 01, 1918 | Full Service Brick and Mortar | |
| 6 | 219152 | Cook Road Branch | North 71 Highway And Cook Road, St. Joseph, MO 64504 | November 20, 1995 | Full Service Brick and Mortar | |
| 8 | 222776 | King Hill Branch | 6304 King Hill Avenue, St. Joseph, MO 64504 | October 23, 1978 | Full Service Brick and Mortar | |
| 9 | 258571 | Belt And Faraon Branch | 402 North Belt Highway, St. Joseph, MO 64506 | April 01, 1991 | Full Service Brick and Mortar | |
| 10 | 419159 | Riverside Branch | 1302 South Riverside Road, Saint Joseph, MO 64507 | May 19, 2003 | Full Service Brick and Mortar | |
| 11 | 5488 | Mound City Branch | 614-616 State Street, Mound City, MO 64470 | May 01, 1895 | Full Service Brick and Mortar | |
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