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

The Seymour Bank - Overview

  • General
  • FDIC Certificate #: 15701
    Status: Active
    Federal Reserve ID: 428855
    Bank Holding Company (Regulatory Top Holder): Cottonrudy Investment Company (RSSDID: 1095245, Location: Seymour, MO)
    Date Established: November 25, 1939
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15431
    FDIC's unique #: 9969
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: November 25, 1939
    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: 119 N. Main St, Seymour, MO 65746
    County: Webster
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
    Core Based Statistical Area (CBSA): Springfield, MO (#44180)
    CBSA Metro Statistical Area: Springfield, MO (#44180)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $138.3 mil
    Equity capital: $18.1 mil
    Deposits held in domestic offices: $114.6 mil
    Return on assets (ROA): 0.86% ($1.2 mil)
    Quarterly return on assets: 0.65% ($0.9 mil)
    Return on Equity (ROE): 6.84% ($1.2 mil)
    Quarterly return on equity: 4.94% ($0.9 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.24% ($1,714.8 mil)
    Quarterly Pretax return on assets: 1.15% ($1,590.3 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
  • 46Total employees (full-time equivalent)
  • $138,289Total assets
  • $2,423Cash and due from depository institutions
  • $771Interest-bearing balances
  • $44,875Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $84,542Net loans & leases
  • $1,181Loan loss allowance
  • $0Trading account assets
  • $3,918Bank premises and fixed assets
  • $565Other real estate owned
  • $0Goodwill and other intangibles
  • $138,290Life insurance assets
  • $1,966All other assets
  • $120,156Total liabilities and capital
  • $114,582Total liabilities
  • $100,995Total deposits
  • $114,582Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,875Trading liabilities
  • $0Other borrowed funds
  • $699Subordinated debt
  • $18,134All other liabilities
  • $18,134Total equity capital
  • $18,134Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $150Surplus
  • $17,834Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $566Income earned, not collected on loans
  • $0Earning assets
  • $1,047Long-term assets (5+ years)
  • $130,188Average Assets, year-to-date
  • $39,073Average Assets, quarterly
  • $138,457Volatile liabilities
  • $137,860Insider loans
  • $95,496FHLB advances
  • $138,918Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,591Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,934Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,389Total interest income
  • $2,153Total interest expense
  • $5,236Net interest income
  • $308Provision for loan and lease losses
  • $358Total noninterest income
  • $0Fiduciary activities
  • $231Service charges on deposit accounts
  • $0Trading account gains & fees
  • $127Additional noninterest income
  • $4,023Total noninterest expense
  • $2,146Salaries and employee benefits
  • $657Premises and equipment expense
  • $1,220Additional noninterest expense
  • $1,263Pre-tax net operating income
  • $454Securities gains (losses)
  • $532Applicable income taxes
  • $1,185Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,185Net income attributable to bank
  • $0Net charge-offs
  • $1,185Cash dividends
  • $291Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.69%Yield on earning assets
  • 1.66%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 6.84%Return on equity (ROE)
  • 6.84%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 105.84%Credit loss provision to net charge-offs
  • 5.40%Efficiency ratio
  • 71,916Assets per employee
  • 3.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 208.66%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 0.66%Net loans and leases to deposits
  • 73.78%Net loans and leases to core deposits
  • 77.28%Equity capital to assets
  • 13.11%Core capital (leverage) ratio
  • 12.66%Tier 1 risk-based capital ratio
  • 18.42%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $138,457Average earning assets
  • $17,336Average equity
  • $129,953Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09969The Seymour Bank119 N. Main St, Seymour, MO 65746November 25, 1939Full Service Brick and Mortar
    1235052Rogersville BranchIntersection Of Highway Vvand Mimosa, Rogersville, MO 65742August 19, 1996Full Service Brick and Mortar

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