United Security Bank in Fulton, Missouri (MO)
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Table of contents:
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 15 |
| Total assets | $47,417 |
| Cash and due from depository institutions | $1,400 |
| Interest-bearing balances | $300 |
| Securities | $14,129 |
| Federal funds sold & reverse repurchase agreements | $547 |
| Net loans & leases | $30,402 |
| Loan loss allowance | $382 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $390 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $549 |
| Life insurance assets | $47,417 |
| Total liabilities and capital | $40,154 |
| Total liabilities | $40,087 |
| Total deposits | $28,979 |
| Interest-bearing deposits | $40,087 |
| Deposits held in domestic offices | $83 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $67 |
| All other liabilities | $7,263 |
| Total equity capital | $7,263 |
| Total bank equity capital | $7,263 |
| Perpetual preferred stock | $0 |
| Common stock | $200 |
| Surplus | $200 |
| Undivided profits | $6,863 |
| 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 | $95 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $362 |
| Average Assets, year-to-date | $45,378 |
| Average Assets, quarterly | $14,762 |
| Volatile liabilities | $47,140 |
| Insider loans | $47,273 |
| FHLB advances | $29,354 |
| Loans and leases held for sale | $47,260 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $6,847 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $2,916 |
| Derivatives | $397 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $2,392 |
| Total interest expense | $340 |
| Net interest income | $2,052 |
| Provision for loan and lease losses | $59 |
| Total noninterest income | $200 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $145 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $55 |
| Total noninterest expense | $1,575 |
| Salaries and employee benefits | $1,072 |
| Premises and equipment expense | $200 |
| Additional noninterest expense | $303 |
| Pre-tax net operating income | $618 |
| Securities gains (losses) | $2 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $620 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $620 |
| Net charge-offs | $0 |
| Cash dividends | $620 |
| Sale, conversion, retirement of capital stock, net | $9 |
| Net operating income | $200 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.31% |
| Cost of funding earning assets | 0.75% |
| Net interest margin | 4.55% |
| Noninterest income to earning assets | 0.44% |
| Noninterest expense to earning assets | 3.50% |
| Net operating income to assets | 1.31% |
| Return on assets (ROA) | 1.32% |
| Pretax return on assets | 1.32% |
| Return on equity (ROE) | 9.23% |
| Retained earnings to average equity (YTD only) | 6.25% |
| Net charge-offs to loans | 0.03% |
| Credit loss provision to net charge-offs | 655.56% |
| Efficiency ratio | 75.22% |
| Assets per employee | $69,938 |
| Cash dividends to net income (YTD only) | 3.16% |
| Condition Ratios (%) | |
| Loss allowance to loans | 32.26% |
| Loss allowance to noncurrent loans | 1.24% |
| Noncurrent assets plus other real estate owned to assets | 402.11% |
| Noncurrent loans to loans | 0.20% |
| Net loans and leases to deposits | 0.31% |
| Net loans and leases to core deposits | 75.84% |
| Equity capital to assets | 79.31% |
| Core capital (leverage) ratio | 15.32% |
| Tier 1 risk-based capital ratio | 14.49% |
| Total risk-based capital ratio | 23.33% |
| Memoranda | |
| Average assets | $25 |
| Average earning assets | $47,140 |
| Average equity | $6,720 |
| Average loans | $45,054 |
| 3 Missouri Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 947 | United Security Bank | 2050 Bluff Street, Fulton, MO 65251 | January 25, 1930 | Full Service Brick and Mortar |  |
| 1 | 189499 | Kingdom City Facility | County Road Ff And U.S. Highway 54, Kingdom City, MO 65262 | Febuary 18, 1975 | Full Service Brick and Mortar |  |
| 2 | 189500 | Auxvasse Branch | Main And Walnut Streets, Auxvasse, MO 65231 | October 09, 1990 | Full Service Brick and Mortar | |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.