The Seymour Bank in Seymour, Missouri (MO)

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The Seymour Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)46
Total assets$138,289
Cash and due from depository institutions$2,423
Interest-bearing balances$771
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$84,542
Loan loss allowance $1,181
Trading account assets$0
Bank premises and fixed assets$3,918
Other real estate owned$565
Goodwill and other intangibles$0
All other assets$1,966
Life insurance assets$138,290
Total liabilities and capital$120,156
Total liabilities$114,582
Total deposits$100,995
Interest-bearing deposits$114,582
Deposits held in domestic offices$77
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,875
Other borrowed funds $0
Subordinated debt $699
All other liabilities $18,134
Total equity capital$18,134
Total bank equity capital$18,134
Perpetual preferred stock$0
Common stock$150
Undivided profits $17,834
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 $566
Earning assets $0
Long-term assets (5+ years) $1,047
Average Assets, year-to-date $130,188
Average Assets, quarterly $39,073
Volatile liabilities $138,457
Insider loans $137,860
FHLB advances $95,496
Loans and leases held for sale $138,918
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $17,591
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,934
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,389
Total interest expense $2,153
Net interest income $5,236
Provision for loan and lease losses $308
Total noninterest income $358
Fiduciary activities $0
Service charges on deposit accounts $231
Trading account gains & fees $0
Additional noninterest income $127
Total noninterest expense $4,023
Salaries and employee benefits $2,146
Premises and equipment expense $657
Additional noninterest expense $1,220
Pre-tax net operating income $1,263
Securities gains (losses) $454
Applicable income taxes $532
Income before extraordinary items $1,185
Extraordinary gains - net $0
Net income attributable to bank $1,185
Net charge-offs $0
Cash dividends $1,185
Sale, conversion, retirement of capital stock, net $291
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.69%
Cost of funding earning assets 1.66%
Net interest margin 4.03%
Noninterest income to earning assets 0.28%
Noninterest expense to earning assets 3.10%
Net operating income to assets 0.63%
Return on assets (ROA) 0.86%
Pretax return on assets 1.24%
Return on equity (ROE) 6.84%
Retained earnings to average equity (YTD only) 6.84%
Net charge-offs to loans 0.34%
Credit loss provision to net charge-offs 105.84%
Efficiency ratio5.40%
Assets per employee$71,916
Cash dividends to net income (YTD only)3.01%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.38%
Noncurrent assets plus other real estate owned to assets 208.66%
Noncurrent loans to loans 0.82%
Net loans and leases to deposits0.66%
Net loans and leases to core deposits 73.78%
Equity capital to assets 77.28%
Core capital (leverage) ratio 13.11%
Tier 1 risk-based capital ratio 12.66%
Total risk-based capital ratio 18.42%
Average assets$20
Average earning assets$138,457
Average equity $17,336
Average loans $129,953
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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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