The Third National Bank of Sedalia in Sedalia, Missouri (MO)
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| The Third National Bank of Sedalia | |
|---|---|
| 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 WWW: http://www.thirdnationalbank.com 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 103 |
| Total assets | $400,967 |
| Cash and due from depository institutions | $35,479 |
| Interest-bearing balances | $27,674 |
| Securities | $119,366 |
| Federal funds sold & reverse repurchase agreements | $6,111 |
| Net loans & leases | $227,479 |
| Loan loss allowance | $4,054 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,442 |
| Other real estate owned | $388 |
| Goodwill and other intangibles | $4,181 |
| All other assets | $5,521 |
| Life insurance assets | $400,967 |
| Total liabilities and capital | $363,905 |
| Total liabilities | $355,680 |
| Total deposits | $276,777 |
| Interest-bearing deposits | $355,680 |
| Deposits held in domestic offices | $86 |
| % insured (estimated) | 4592.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $2,870 |
| Other borrowed funds | $0 |
| Subordinated debt | $763 |
| All other liabilities | $37,062 |
| Total equity capital | $37,062 |
| Total bank equity capital | $37,062 |
| Perpetual preferred stock | $0 |
| Common stock | $200 |
| Surplus | $30,187 |
| Undivided profits | $6,675 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,384 |
| Income earned, not collected on loans | $3,119 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $2,176 |
| Average Assets, year-to-date | $380,630 |
| Average Assets, quarterly | $61,576 |
| Volatile liabilities | $333,009 |
| Insider loans | $363,005 |
| FHLB advances | $251,111 |
| Loans and leases held for sale | $410,736 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $31,903 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $37,750 |
| Derivatives | $2,975 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $14,360 |
| Total interest expense | $1,834 |
| Net interest income | $12,526 |
| Provision for loan and lease losses | $1,127 |
| Total noninterest income | $3,905 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $1,650 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $2,255 |
| Total noninterest expense | $9,248 |
| Salaries and employee benefits | $4,139 |
| Premises and equipment expense | $857 |
| Additional noninterest expense | $4,252 |
| Pre-tax net operating income | $6,056 |
| Securities gains (losses) | -$20 |
| Applicable income taxes | $2,025 |
| Income before extraordinary items | $4,011 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $4,011 |
| Net charge-offs | $0 |
| Cash dividends | $4,011 |
| Sale, conversion, retirement of capital stock, net | $1,061 |
| Net operating income | $4,050 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.51% |
| Cost of funding earning assets | 0.58% |
| Net interest margin | 3.93% |
| Noninterest income to earning assets | 1.23% |
| Noninterest expense to earning assets | 2.90% |
| Net operating income to assets | 1.21% |
| Return on assets (ROA) | 1.20% |
| Pretax return on assets | 1.81% |
| Return on equity (ROE) | 13.29% |
| Retained earnings to average equity (YTD only) | -0.13% |
| Net charge-offs to loans | 0.54% |
| Credit loss provision to net charge-offs | 106.22% |
| Efficiency ratio | 6.77% |
| Assets per employee | $56,144 |
| Cash dividends to net income (YTD only) | 3.89% |
| Condition Ratios (%) | |
| Loss allowance to loans | 100.97% |
| Loss allowance to noncurrent loans | 1.75% |
| Noncurrent assets plus other real estate owned to assets | 129.98% |
| Noncurrent loans to loans | 0.87% |
| Net loans and leases to deposits | 1.35% |
| Net loans and leases to core deposits | 63.96% |
| Equity capital to assets | 68.16% |
| Core capital (leverage) ratio | 9.24% |
| Tier 1 risk-based capital ratio | 7.77% |
| Total risk-based capital ratio | 12.70% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $333,009 |
| Average equity | $30,189 |
| Average loans | $318,685 |
| 7 Missouri Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 3027 | The Third National Bank Of Sedalia | 301 West Broadway, Sedalia, MO 65301 | January 01, 1883 | Full Service Brick and Mortar |  |
| 1 | 203867 | Motor Branch | 400 West Broadway Street, Sedalia, MO 65301 | January 29, 1964 | Limited Service Facility |  |
| 2 | 203868 | Tnb Iii Branch | 3000 West Broadway, Sedalia, MO 65301 | September 25, 1974 | Limited Service Facility | |
| 4 | 203870 | South Limit Branch | 2900 South Limit, Sedalia, MO 65301 | July 08, 1998 | Limited Service Facility | |
| 5 | 492956 | Nelwood Drive Branch | 2116 Nelwood Dr, Columbia, MO 65202 | January 01, 2009 | Full Service Cyber | |
| 6 | 1310 | Motor Bank 7 Downtown Branch | 101 South Ohio Street, Sedalia, MO 65301 | June 25, 1913 | Full Service Brick and Mortar | |
| 7 | 190458 | Sedalia Facility | U.S. Highway 65 And 14th Street, Sedalia, MO 65301 | March 10, 1975 | Full Service Brick and Mortar | |
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