United Security Bank in Fulton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


United Security Bank - Overview

  • General
  • FDIC Certificate #: 1427
    Status: Active
    Federal Reserve ID: 630340
    Bank Holding Company (Regulatory Top Holder): Mid-Mo Bancshares, Inc. (RSSDID: 1247736, Location: Auxvasse, MO)
    Date Established: January 25, 1930
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 947
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 27, 2009
    Last Structure Change Process Date: March 27, 2009
    Last Data Update: March 27, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 2050 Bluff Street, Fulton, MO 65251
    County: Callaway
    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): Jefferson City, MO (#27620)
    CBSA Metro Statistical Area: Jefferson City, MO (#27620)
  • Financial Summary
  • Total assets: $47.4 mil
    Equity capital: $7.3 mil
    Deposits held in domestic offices: $40.1 mil
    Return on assets (ROA): 1.32% ($0.6 mil)
    Quarterly return on assets: 0.62% ($0.3 mil)
    Return on Equity (ROE): 9.23% ($0.6 mil)
    Quarterly return on equity: 4.04% ($0.3 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.32% ($625.9 mil)
    Quarterly Pretax return on assets: 0.62% ($294.0 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
  • 15Total employees (full-time equivalent)
  • $47,417Total assets
  • $1,400Cash and due from depository institutions
  • $300Interest-bearing balances
  • $14,129Securities
  • $547Federal funds sold & reverse repurchase agreements
  • $30,402Net loans & leases
  • $382Loan loss allowance
  • $0Trading account assets
  • $390Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $47,417Life insurance assets
  • $549All other assets
  • $40,154Total liabilities and capital
  • $40,087Total liabilities
  • $28,979Total deposits
  • $40,087Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $67Subordinated debt
  • $7,263All other liabilities
  • $7,263Total equity capital
  • $7,263Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $200Surplus
  • $6,863Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $95Income earned, not collected on loans
  • $0Earning assets
  • $362Long-term assets (5+ years)
  • $45,378Average Assets, year-to-date
  • $14,762Average Assets, quarterly
  • $47,140Volatile liabilities
  • $47,273Insider loans
  • $29,354FHLB advances
  • $47,260Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,847Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,916Restructured Loans and leases
  • $397Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,392Total interest income
  • $340Total interest expense
  • $2,052Net interest income
  • $59Provision for loan and lease losses
  • $200Total noninterest income
  • $0Fiduciary activities
  • $145Service charges on deposit accounts
  • $0Trading account gains & fees
  • $55Additional noninterest income
  • $1,575Total noninterest expense
  • $1,072Salaries and employee benefits
  • $200Premises and equipment expense
  • $303Additional noninterest expense
  • $618Pre-tax net operating income
  • $2Securities gains (losses)
  • $0Applicable income taxes
  • $620Income before extraordinary items
  • $0Extraordinary gains - net
  • $620Net income attributable to bank
  • $0Net charge-offs
  • $620Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.55%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.32%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 9.23%Return on equity (ROE)
  • 6.25%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 655.56%Credit loss provision to net charge-offs
  • 75.22%Efficiency ratio
  • 69,938Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.26%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 402.11%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.31%Net loans and leases to deposits
  • 75.84%Net loans and leases to core deposits
  • 79.31%Equity capital to assets
  • 15.32%Core capital (leverage) ratio
  • 14.49%Tier 1 risk-based capital ratio
  • 23.33%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $47,140Average earning assets
  • $6,720Average equity
  • $45,054Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0947United Security Bank2050 Bluff Street, Fulton, MO 65251January 25, 1930Full Service Brick and Mortar
    1189499Kingdom City FacilityCounty Road Ff And U.S. Highway 54, Kingdom City, MO 65262Febuary 18, 1975Full Service Brick and Mortar
    2189500Auxvasse BranchMain And Walnut Streets, Auxvasse, MO 65231October 09, 1990Full Service Brick and Mortar

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