United State Bank in Lewistown, Missouri (MO)



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United State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)32
Total assets$108,586
Cash and due from depository institutions$6,735
Interest-bearing balances$2,850
Securities$17,783
Federal funds sold & reverse repurchase agreements$1,613
Net loans & leases$77,245
Loan loss allowance $854
Trading account assets$0
Bank premises and fixed assets$1,132
Other real estate owned$241
Goodwill and other intangibles$0
All other assets$3,837
Life insurance assets$108,586
Total liabilities and capital$98,760
Total liabilities$93,220
Total deposits$83,724
Interest-bearing deposits$93,220
Deposits held in domestic offices$87
% insured (estimated)32.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $508
All other liabilities $9,826
Total equity capital$9,826
Total bank equity capital$9,826
Perpetual preferred stock$0
Common stock$500
Surplus$1,000
Undivided profits $8,326
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 $0
Earning assets $0
Long-term assets (5+ years) $1,275
Average Assets, year-to-date $99,491
Average Assets, quarterly $18,971
Volatile liabilities $105,739
Insider loans $107,073
FHLB advances $82,610
Loans and leases held for sale $106,133
Unused loan commitments $1,828
Tier 1 (core) risk-based capital $1,608
Tier 2 risk-based capital $9,442
Total risk weighted assets $0
Total unused commitments $220
Restructured Loans and leases $5,621
Derivatives$4,569
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,281
Total interest expense $1,220
Net interest income $4,061
Provision for loan and lease losses $490
Total noninterest income $411
Fiduciary activities $0
Service charges on deposit accounts $276
Trading account gains & fees $0
Additional noninterest income $135
Total noninterest expense $2,686
Salaries and employee benefits $1,476
Premises and equipment expense $310
Additional noninterest expense $900
Pre-tax net operating income $1,296
Securities gains (losses) $45
Applicable income taxes $58
Income before extraordinary items $1,283
Extraordinary gains - net $0
Net income attributable to bank $1,283
Net charge-offs $0
Cash dividends $1,283
Sale, conversion, retirement of capital stock, net $390
Net operating income $740
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.44%
Cost of funding earning assets 1.26%
Net interest margin 4.18%
Noninterest income to earning assets 0.42%
Noninterest expense to earning assets 2.77%
Net operating income to assets 1.17%
Return on assets (ROA) 1.21%
Pretax return on assets 1.27%
Return on equity (ROE) 13.42%
Retained earnings to average equity (YTD only) 5.68%
Net charge-offs to loans 0.53%
Credit loss provision to net charge-offs 125.64%
Efficiency ratio4.58%
Assets per employee$60,063
Cash dividends to net income (YTD only)3.39%
Condition Ratios (%)
Loss allowance to loans 57.68%
Loss allowance to noncurrent loans 1.09%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.22%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 82.86%
Equity capital to assets 86.54%
Core capital (leverage) ratio 9.05%
Tier 1 risk-based capital ratio 8.90%
Total risk-based capital ratio 11.43%
Memoranda
Average assets$12
Average earning assets$105,739
Average equity $9,558
Average loans $97,091
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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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