The Pleasant Hill Bank in Pleasant Hill, Missouri (MO)
| The Pleasant Hill Bank | |
|---|---|
| General | FDIC Certificate #: 13915 Status: Active Federal Reserve ID: 899754 Bank Holding Company (Regulatory Top Holder): Goppert Financial Corp. (RSSDID: 1051380, Location: Kansas City, MO) Date Established: Febuary 16, 1934 WWW: http://www.thepleasanthillbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Domestic: 2, Interstate: No) FDIC's unique #: 8702 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: Febuary 20, 1934 Last Structure Change Effective Date: August 12, 2010 Last Structure Change Process Date: August 12, 2010 Last Data Update: August 12, 2010 Data Source Date: April 05, 2012 |
| Location | Address: 101 South Highway 7, Pleasant Hill, MO 64080 County: Cass 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 Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760) 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 Changes | Change in Geographic Region/Area/Territory/Field Office |
| Financial Summary | Total assets: $68.7 mil Equity capital: $8.1 mil Deposits held in domestic offices: $60.3 mil Return on assets (ROA): 0.13% ($0.1 mil) Quarterly return on assets: 0.24% ($0.2 mil) Return on Equity (ROE): 1.07% ($0.1 mil) Quarterly return on equity: 2.03% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.15% ($103.1 mil) Quarterly Pretax return on assets: 0.32% ($220.0 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 17 |
| Total assets | $68,736 |
| Cash and due from depository institutions | $9,448 |
| Interest-bearing balances | $7,910 |
| Securities | $17,586 |
| Federal funds sold & reverse repurchase agreements | $682 |
| Net loans & leases | $38,224 |
| Loan loss allowance | $405 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,716 |
| Other real estate owned | $251 |
| Goodwill and other intangibles | $0 |
| All other assets | $829 |
| Life insurance assets | $68,736 |
| Total liabilities and capital | $60,678 |
| Total liabilities | $60,338 |
| Total deposits | $49,868 |
| Interest-bearing deposits | $60,338 |
| Deposits held in domestic offices | $90 |
| % insured (estimated) | 140.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $200 |
| All other liabilities | $8,058 |
| Total equity capital | $8,058 |
| Total bank equity capital | $8,058 |
| Perpetual preferred stock | $0 |
| Common stock | $275 |
| Surplus | $1,925 |
| Undivided profits | $5,858 |
| 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 | $1,109 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $359 |
| Average Assets, year-to-date | $64,402 |
| Average Assets, quarterly | $13,334 |
| Volatile liabilities | $67,372 |
| Insider loans | $67,719 |
| FHLB advances | $39,511 |
| Loans and leases held for sale | $67,955 |
| Unused loan commitments | $200 |
| Tier 1 (core) risk-based capital | $200 |
| Tier 2 risk-based capital | $8,024 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $4,890 |
| Derivatives | $0 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $2,547 |
| Total interest expense | $394 |
| Net interest income | $2,153 |
| Provision for loan and lease losses | $65 |
| Total noninterest income | $198 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $98 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $100 |
| Total noninterest expense | $2,182 |
| Salaries and employee benefits | $1,301 |
| Premises and equipment expense | $249 |
| Additional noninterest expense | $632 |
| Pre-tax net operating income | $104 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $18 |
| Income before extraordinary items | $86 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $86 |
| Net charge-offs | $0 |
| Cash dividends | $86 |
| Sale, conversion, retirement of capital stock, net | $138 |
| Net operating income | $55 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.05% |
| Cost of funding earning assets | 0.63% |
| Net interest margin | 3.43% |
| Noninterest income to earning assets | 0.32% |
| Noninterest expense to earning assets | 3.47% |
| Net operating income to assets | 0.13% |
| Return on assets (ROA) | 0.13% |
| Pretax return on assets | 0.15% |
| Return on equity (ROE) | 1.07% |
| Retained earnings to average equity (YTD only) | 0.38% |
| Net charge-offs to loans | 0.35% |
| Credit loss provision to net charge-offs | 47.10% |
| Efficiency ratio | 1.22% |
| Assets per employee | $92,812 |
| Cash dividends to net income (YTD only) | 4.04% |
| Condition Ratios (%) | |
| Loss allowance to loans | 63.95% |
| Loss allowance to noncurrent loans | 1.05% |
| Noncurrent assets plus other real estate owned to assets | 36.52% |
| Noncurrent loans to loans | 1.98% |
| Net loans and leases to deposits | 2.87% |
| Net loans and leases to core deposits | 63.35% |
| Equity capital to assets | 63.35% |
| Core capital (leverage) ratio | 11.72% |
| Tier 1 risk-based capital ratio | 11.81% |
| Total risk-based capital ratio | 20.31% |
| Memoranda | |
| Average assets | $21 |
| Average earning assets | $67,372 |
| Average equity | $8,058 |
| Average loans | $62,856 |
| 2 Missouri Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 8702 | The Pleasant Hill Bank | 101 South Highway 7, Pleasant Hill, MO 64080 | Febuary 16, 1934 | Full Service Brick and Mortar |  |
| 2 | 447915 | Pleasant Hill Branch | 2100 North State Route 7, Pleasant Hill, MO 64080 | July 15, 1974 | Full Service Brick and Mortar |  |
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