The Third National Bank of Sedalia in Sedalia, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Third National Bank of Sedalia - Overview

  • General
  • FDIC Certificate #: 4569
    Status: Active
    Federal Reserve ID: 611451
    Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
    Date Established: January 01, 1883
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 3027
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 01, 2011
    Last Structure Change Process Date: October 05, 2011
    Last Data Update: October 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 West Broadway, Sedalia, MO 65301
    County: Pettis
    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
    Core Based Statistical Area (CBSA): Sedalia, MO (#42740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $401.0 mil
    Equity capital: $37.1 mil
    Deposits held in domestic offices: $355.7 mil
    Return on assets (ROA): 1.20% ($4.8 mil)
    Quarterly return on assets: 0.96% ($3.8 mil)
    Return on Equity (ROE): 13.29% ($4.9 mil)
    Quarterly return on equity: 9.27% ($3.4 mil)
    Net income: $4.0 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.81% ($7,257.5 mil)
    Quarterly Pretax return on assets: 1.37% ($5,493.2 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
  • 103Total employees (full-time equivalent)
  • $400,967Total assets
  • $35,479Cash and due from depository institutions
  • $27,674Interest-bearing balances
  • $119,366Securities
  • $6,111Federal funds sold & reverse repurchase agreements
  • $227,479Net loans & leases
  • $4,054Loan loss allowance
  • $0Trading account assets
  • $2,442Bank premises and fixed assets
  • $388Other real estate owned
  • $4,181Goodwill and other intangibles
  • $400,967Life insurance assets
  • $5,521All other assets
  • $363,905Total liabilities and capital
  • $355,680Total liabilities
  • $276,777Total deposits
  • $355,680Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 4592.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,870Trading liabilities
  • $0Other borrowed funds
  • $763Subordinated debt
  • $37,062All other liabilities
  • $37,062Total equity capital
  • $37,062Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $30,187Surplus
  • $6,675Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,384Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,119Income earned, not collected on loans
  • $0Earning assets
  • $2,176Long-term assets (5+ years)
  • $380,630Average Assets, year-to-date
  • $61,576Average Assets, quarterly
  • $333,009Volatile liabilities
  • $363,005Insider loans
  • $251,111FHLB advances
  • $410,736Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $31,903Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $37,750Restructured Loans and leases
  • $2,975Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,360Total interest income
  • $1,834Total interest expense
  • $12,526Net interest income
  • $1,127Provision for loan and lease losses
  • $3,905Total noninterest income
  • $0Fiduciary activities
  • $1,650Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,255Additional noninterest income
  • $9,248Total noninterest expense
  • $4,139Salaries and employee benefits
  • $857Premises and equipment expense
  • $4,252Additional noninterest expense
  • $6,056Pre-tax net operating income
  • -$20Securities gains (losses)
  • $2,025Applicable income taxes
  • $4,011Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,011Net income attributable to bank
  • $0Net charge-offs
  • $4,011Cash dividends
  • $1,061Sale, conversion, retirement of capital stock, net
  • $4,050Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 3.93%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 2.90%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.81%Pretax return on assets
  • 13.29%Return on equity (ROE)
  • -0.13%Retained earnings to average equity (YTD only)
  • 0.54%Net charge-offs to loans
  • 106.22%Credit loss provision to net charge-offs
  • 6.77%Efficiency ratio
  • 56,144Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.97%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 129.98%Noncurrent assets plus other real estate owned to assets
  • 0.87%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 63.96%Net loans and leases to core deposits
  • 68.16%Equity capital to assets
  • 9.24%Core capital (leverage) ratio
  • 7.77%Tier 1 risk-based capital ratio
  • 12.70%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $333,009Average earning assets
  • $30,189Average equity
  • $318,685Average loans

List of branches

  • 7 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03027The Third National Bank Of Sedalia301 West Broadway, Sedalia, MO 65301January 01, 1883Full Service Brick and Mortar
    1203867Motor Branch400 West Broadway Street, Sedalia, MO 65301January 29, 1964Limited Service Facility
    2203868Tnb Iii Branch3000 West Broadway, Sedalia, MO 65301September 25, 1974Limited Service Facility
    4203870South Limit Branch2900 South Limit, Sedalia, MO 65301July 08, 1998Limited Service Facility
    5492956Nelwood Drive Branch2116 Nelwood Dr, Columbia, MO 65202January 01, 2009Full Service Cyber
    61310Motor Bank 7 Downtown Branch101 South Ohio Street, Sedalia, MO 65301June 25, 1913Full Service Brick and Mortar
    7190458Sedalia FacilityU.S. Highway 65 And 14th Street, Sedalia, MO 65301March 10, 1975Full Service Brick and Mortar

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