Village Bank in Springfield, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 25, 2011

Village Bank - Overview

  • General
  • FDIC Certificate #: 34491
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Liberty Bank (#34087)
    Federal Reserve ID: 2575155
    Date Established: July 14, 1997
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 57682
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 14, 1997
    Last Structure Change Effective Date: March 25, 2011
    Last Structure Change Process Date: March 28, 2011
    Last Data Update: March 28, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2360 East Sunshine, Springfield, MO 65804
    County: Greene
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
    Core Based Statistical Area (CBSA): Springfield, MO (#44180)
    CBSA Metro Statistical Area: Springfield, MO (#44180)
  • Financial Summary
  • Total assets: $85.8 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, 2010)

  • Dollar figures in thousands
  • 19Total employees (full-time equivalent)
  • $85,831Total assets
  • $11,352Cash and due from depository institutions
  • $10,113Interest-bearing balances
  • $12,881Securities
  • $1,688Federal funds sold & reverse repurchase agreements
  • $52,096Net loans & leases
  • $3,130Loan loss allowance
  • $0Trading account assets
  • $993Bank premises and fixed assets
  • $5,729Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,092All other assets
  • $85,831Total liabilities and capital
  • $80,931Total liabilities
  • $74,199Total deposits
  • $69,256Interest-bearing deposits
  • $74,199Deposits held in domestic offices
  • 96.64%% insured (estimated)
  • $318Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $6,000Other borrowed funds
  • $0Subordinated debt
  • $414All other liabilities
  • $4,900Total equity capital
  • $4,900Total bank equity capital
  • $4,900Perpetual preferred stock
  • $0Common stock
  • $2,775Surplus
  • $12,820Undivided profits
  • Memoranda
  • $-10,695Noncurrent loans and leases
  • $2,257Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,606Earning assets
  • $0Long-term assets (5+ years)
  • $222Average Assets, year-to-date
  • $76,778Average Assets, quarterly
  • $14,130Volatile liabilities
  • $89,546Insider loans
  • $87,160FHLB advances
  • $25,570Loans and leases held for sale
  • $514Unused loan commitments
  • $6,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,257Total unused commitments
  • $0Restructured Loans and leases
  • $805Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $3,485Total interest income
  • $1,855Total interest expense
  • $1,630Net interest income
  • $80Provision for loan and lease losses
  • $141Total noninterest income
  • $0Fiduciary activities
  • $129Service charges on deposit accounts
  • $0Trading account gains & fees
  • $12Additional noninterest income
  • $2,739Total noninterest expense
  • $1,255Salaries and employee benefits
  • $167Premises and equipment expense
  • $1,317Additional noninterest expense
  • -$1,048Pre-tax net operating income
  • $276Securities gains (losses)
  • $0Applicable income taxes
  • -$772Income before extraordinary items
  • $0Extraordinary gains - net
  • -$772Net income attributable to bank
  • $0Net charge-offs
  • -$772Cash dividends
  • -$637Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.34%Yield on earning assets
  • 2.31%Cost of funding earning assets
  • 2.03%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • -1.17%Net operating income to assets
  • -0.86%Return on assets (ROA)
  • -0.86%Pretax return on assets
  • -13.97%Return on equity (ROE)
  • -13.97%Retained earnings to average equity (YTD only)
  • -1.08%Net charge-offs to loans
  • -12.56%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 154,658Assets per employee
  • 4.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.67%Loss allowance to noncurrent loans
  • 120.11%Noncurrent assets plus other real estate owned to assets
  • 9.71%Noncurrent loans to loans
  • 4.72%Net loans and leases to deposits
  • 70.21%Net loans and leases to core deposits
  • 106.43%Equity capital to assets
  • 5.71%Core capital (leverage) ratio
  • 5.91%Tier 1 risk-based capital ratio
  • 8.34%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $89,546Average earning assets
  • $5,527Average equity
  • $80,284Average loans

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