The Paris National Bank in Paris, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Paris National Bank - Overview

  • General
  • FDIC Certificate #: 4556
    Status: Active
    Federal Reserve ID: 1007051
    Bank Holding Company (Regulatory Top Holder): Paris Bancshares, Inc. (RSSDID: 1099065, Location: Paris, MO)
    Date Established: October 01, 1865
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 11792
    FDIC's unique #: 3017
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural 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: 118 North Main Street, Paris, MO 65275
    County: Monroe
    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: $72.1 mil
    Equity capital: $9.3 mil
    Deposits held in domestic offices: $54.8 mil
    Return on assets (ROA): 0.49% ($0.4 mil)
    Quarterly return on assets: 0.15% ($0.1 mil)
    Return on Equity (ROE): 4.00% ($0.4 mil)
    Quarterly return on equity: 1.19% ($0.1 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.70% ($504.6 mil)
    Quarterly Pretax return on assets: 0.07% ($50.5 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
  • 15Total employees (full-time equivalent)
  • $72,091Total assets
  • $3,002Cash and due from depository institutions
  • $1,951Interest-bearing balances
  • $28,903Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $37,094Net loans & leases
  • $586Loan loss allowance
  • $0Trading account assets
  • $485Bank premises and fixed assets
  • $93Other real estate owned
  • $0Goodwill and other intangibles
  • $72,091Life insurance assets
  • $2,514All other assets
  • $62,779Total liabilities and capital
  • $54,837Total liabilities
  • $48,191Total deposits
  • $54,837Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,294Trading liabilities
  • $0Other borrowed funds
  • $648Subordinated debt
  • $9,312All other liabilities
  • $9,312Total equity capital
  • $9,312Total bank equity capital
  • $0Perpetual preferred stock
  • $70Common stock
  • $1,000Surplus
  • $8,242Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,345Income earned, not collected on loans
  • $0Earning assets
  • $800Long-term assets (5+ years)
  • $67,948Average Assets, year-to-date
  • $25,826Average Assets, quarterly
  • $73,997Volatile liabilities
  • $72,332Insider loans
  • $43,866FHLB advances
  • $72,082Loans and leases held for sale
  • $377Unused loan commitments
  • $125Tier 1 (core) risk-based capital
  • $8,687Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $252Total unused commitments
  • $4,693Restructured Loans and leases
  • $1,885Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,328Total interest income
  • $1,015Total interest expense
  • $2,313Net interest income
  • $330Provision for loan and lease losses
  • $213Total noninterest income
  • $0Fiduciary activities
  • $123Service charges on deposit accounts
  • $0Trading account gains & fees
  • $90Additional noninterest income
  • $1,704Total noninterest expense
  • $850Salaries and employee benefits
  • $123Premises and equipment expense
  • $731Additional noninterest expense
  • $492Pre-tax net operating income
  • $29Securities gains (losses)
  • $156Applicable income taxes
  • $365Income before extraordinary items
  • $0Extraordinary gains - net
  • $365Net income attributable to bank
  • $0Net charge-offs
  • $365Cash dividends
  • $691Sale, conversion, retirement of capital stock, net
  • $294Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 3.32%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 4.00%Return on equity (ROE)
  • 0.78%Retained earnings to average equity (YTD only)
  • 1.80%Net charge-offs to loans
  • 47.76%Credit loss provision to net charge-offs
  • 1.19%Efficiency ratio
  • 67,458Assets per employee
  • 4.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.55%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 24.99%Noncurrent assets plus other real estate owned to assets
  • 3.38%Noncurrent loans to loans
  • 6.22%Net loans and leases to deposits
  • 67.64%Net loans and leases to core deposits
  • 70.18%Equity capital to assets
  • 12.92%Core capital (leverage) ratio
  • 12.05%Tier 1 risk-based capital ratio
  • 19.80%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $73,997Average earning assets
  • $9,129Average equity
  • $69,641Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03017The Paris National Bank118 North Main Street, Paris, MO 65275October 01, 1865Full Service Brick and Mortar

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