United State Bank in Lewistown, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

United State Bank - Overview

  • General
  • FDIC Certificate #: 12214
    Status: Active
    Federal Reserve ID: 659556
    Bank Holding Company (Regulatory Top Holder): River Valley Bancshares, Incorporated (RSSDID: 1096091, Location: Lewistown, MO)
    Date Established: September 08, 1928
    WWW: http://www.usb1.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11557
    FDIC's unique #: 7760
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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
  • Location
  • Address: 102 West Main St, Lewistown, MO 63452
    County: Lewis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Quincy, IL-MO (#39500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $108.6 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $93.2 mil
    Return on assets (ROA): 1.21% ($1.3 mil)
    Quarterly return on assets: 1.28% ($1.4 mil)
    Return on Equity (ROE): 13.42% ($1.3 mil)
    Quarterly return on equity: 13.94% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.27% ($1,379.0 mil)
    Quarterly Pretax return on assets: 1.37% ($1,487.6 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
  • 32Total employees (full-time equivalent)
  • $108,586Total assets
  • $6,735Cash and due from depository institutions
  • $2,850Interest-bearing balances
  • $17,783Securities
  • $1,613Federal funds sold & reverse repurchase agreements
  • $77,245Net loans & leases
  • $854Loan loss allowance
  • $0Trading account assets
  • $1,132Bank premises and fixed assets
  • $241Other real estate owned
  • $0Goodwill and other intangibles
  • $108,586Life insurance assets
  • $3,837All other assets
  • $98,760Total liabilities and capital
  • $93,220Total liabilities
  • $83,724Total deposits
  • $93,220Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 32.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $508Subordinated debt
  • $9,826All other liabilities
  • $9,826Total equity capital
  • $9,826Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,000Surplus
  • $8,326Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $1,275Long-term assets (5+ years)
  • $99,491Average Assets, year-to-date
  • $18,971Average Assets, quarterly
  • $105,739Volatile liabilities
  • $107,073Insider loans
  • $82,610FHLB advances
  • $106,133Loans and leases held for sale
  • $1,828Unused loan commitments
  • $1,608Tier 1 (core) risk-based capital
  • $9,442Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $220Total unused commitments
  • $5,621Restructured Loans and leases
  • $4,569Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,281Total interest income
  • $1,220Total interest expense
  • $4,061Net interest income
  • $490Provision for loan and lease losses
  • $411Total noninterest income
  • $0Fiduciary activities
  • $276Service charges on deposit accounts
  • $0Trading account gains & fees
  • $135Additional noninterest income
  • $2,686Total noninterest expense
  • $1,476Salaries and employee benefits
  • $310Premises and equipment expense
  • $900Additional noninterest expense
  • $1,296Pre-tax net operating income
  • $45Securities gains (losses)
  • $58Applicable income taxes
  • $1,283Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,283Net income attributable to bank
  • $0Net charge-offs
  • $1,283Cash dividends
  • $390Sale, conversion, retirement of capital stock, net
  • $740Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.44%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 13.42%Return on equity (ROE)
  • 5.68%Retained earnings to average equity (YTD only)
  • 0.53%Net charge-offs to loans
  • 125.64%Credit loss provision to net charge-offs
  • 4.58%Efficiency ratio
  • 60,063Assets per employee
  • 3.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.68%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 82.86%Net loans and leases to core deposits
  • 86.54%Equity capital to assets
  • 9.05%Core capital (leverage) ratio
  • 8.90%Tier 1 risk-based capital ratio
  • 11.43%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $105,739Average earning assets
  • $9,558Average equity
  • $97,091Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07760United State Bank102 West Main St, Lewistown, MO 63452September 08, 1928Full Service Brick and Mortar
    1226688Drive-In And Branch Office Facility200 E State Hwy 6, Ewing, MO 63440August 20, 1973Full Service Brick and Mortar
    2226689Edina Branch107 North First Street, Edina, MO 63537September 09, 1991Full Service Brick and Mortar

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