The Paris National Bank in Paris, Missouri (MO)
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| The Paris National Bank | |
|---|---|
| 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 WWW: http://www.parisnational.com 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 15 |
| Total assets | $72,091 |
| Cash and due from depository institutions | $3,002 |
| Interest-bearing balances | $1,951 |
| Securities | $28,903 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $37,094 |
| Loan loss allowance | $586 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $485 |
| Other real estate owned | $93 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,514 |
| Life insurance assets | $72,091 |
| Total liabilities and capital | $62,779 |
| Total liabilities | $54,837 |
| Total deposits | $48,191 |
| Interest-bearing deposits | $54,837 |
| Deposits held in domestic offices | $87 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $7,294 |
| Other borrowed funds | $0 |
| Subordinated debt | $648 |
| All other liabilities | $9,312 |
| Total equity capital | $9,312 |
| Total bank equity capital | $9,312 |
| Perpetual preferred stock | $0 |
| Common stock | $70 |
| Surplus | $1,000 |
| Undivided profits | $8,242 |
| 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 | $2,345 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $800 |
| Average Assets, year-to-date | $67,948 |
| Average Assets, quarterly | $25,826 |
| Volatile liabilities | $73,997 |
| Insider loans | $72,332 |
| FHLB advances | $43,866 |
| Loans and leases held for sale | $72,082 |
| Unused loan commitments | $377 |
| Tier 1 (core) risk-based capital | $125 |
| Tier 2 risk-based capital | $8,687 |
| Total risk weighted assets | $0 |
| Total unused commitments | $252 |
| Restructured Loans and leases | $4,693 |
| Derivatives | $1,885 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $3,328 |
| Total interest expense | $1,015 |
| Net interest income | $2,313 |
| Provision for loan and lease losses | $330 |
| Total noninterest income | $213 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $123 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $90 |
| Total noninterest expense | $1,704 |
| Salaries and employee benefits | $850 |
| Premises and equipment expense | $123 |
| Additional noninterest expense | $731 |
| Pre-tax net operating income | $492 |
| Securities gains (losses) | $29 |
| Applicable income taxes | $156 |
| Income before extraordinary items | $365 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $365 |
| Net charge-offs | $0 |
| Cash dividends | $365 |
| Sale, conversion, retirement of capital stock, net | $691 |
| Net operating income | $294 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.78% |
| Cost of funding earning assets | 1.46% |
| Net interest margin | 3.32% |
| Noninterest income to earning assets | 0.31% |
| Noninterest expense to earning assets | 2.45% |
| Net operating income to assets | 0.47% |
| Return on assets (ROA) | 0.49% |
| Pretax return on assets | 0.70% |
| Return on equity (ROE) | 4.00% |
| Retained earnings to average equity (YTD only) | 0.78% |
| Net charge-offs to loans | 1.80% |
| Credit loss provision to net charge-offs | 47.76% |
| Efficiency ratio | 1.19% |
| Assets per employee | $67,458 |
| Cash dividends to net income (YTD only) | 4.81% |
| Condition Ratios (%) | |
| Loss allowance to loans | 80.55% |
| Loss allowance to noncurrent loans | 1.56% |
| Noncurrent assets plus other real estate owned to assets | 24.99% |
| Noncurrent loans to loans | 3.38% |
| Net loans and leases to deposits | 6.22% |
| Net loans and leases to core deposits | 67.64% |
| Equity capital to assets | 70.18% |
| Core capital (leverage) ratio | 12.92% |
| Tier 1 risk-based capital ratio | 12.05% |
| Total risk-based capital ratio | 19.80% |
| Memoranda | |
| Average assets | $21 |
| Average earning assets | $73,997 |
| Average equity | $9,129 |
| Average loans | $69,641 |
| 1 Missouri Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 3017 | The Paris National Bank | 118 North Main Street, Paris, MO 65275 | October 01, 1865 | Full Service Brick and Mortar |  |
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Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.