Webster County Bank in Marshfield, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 20, 1995

Webster County Bank in Marshfield, Missouri (MO)
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Webster County Bank - Overview

General
FDIC Certificate #: 23423
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Empire Bank (#17633)
Federal Reserve ID: 749158
Date Established: June 01, 1981
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 11188
FDIC's unique #: 16419
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: June 01, 1981
Last Structure Change Effective Date: November 20, 1995
Last Structure Change Process Date: December 07, 1995
Last Data Update: December 07, 1995
Data Source Date: April 05, 2012
Location
Address: 1019 Spur Drive, Marshfield, MO 65706
County: Webster
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: $46.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$18Total assets
$41,190Cash and due from depository institutions
$1,377Interest-bearing balances
$10Securities
$7,052Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$31,583Loan loss allowance
$353Trading account assets
$0Bank premises and fixed assets
$706Other real estate owned
$0Goodwill and other intangibles
$472Life insurance assets
$0All other assets
$0Total liabilities and capital
$41,190Total liabilities
$38,000Total deposits
$35,480Interest-bearing deposits
$31,733Deposits held in domestic offices
35480.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$365Trading liabilities
$0Other borrowed funds
$2,000Subordinated debt
$0All other liabilities
$155Total equity capital
$155Total bank equity capital
$3,190Perpetual preferred stock
$0Common stock
$750Surplus
$1,900Undivided profits
Memoranda
$540Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$39Income earned, not collected on loans
$252Earning assets
$38,645Long-term assets (5+ years)
$4,380Average Assets, year-to-date
$38,904Average Assets, quarterly
$41,136Volatile liabilities
$8,353Insider loans
$552FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,782Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,209Total risk weighted assets
$29,195Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$3,062Total interest expense
$1,356Net interest income
$1,706Provision for loan and lease losses
$65Total noninterest income
$201Fiduciary activities
$0Service charges on deposit accounts
$149Trading account gains & fees
$0Additional noninterest income
$52Total noninterest expense
$1,071Salaries and employee benefits
$535Premises and equipment expense
$101Additional noninterest expense
$435Pre-tax net operating income
$771Securities gains (losses)
$21Applicable income taxes
$258Income before extraordinary items
$534Extraordinary gains - net
$0Net income attributable to bank
$534Net charge-offs
-$4Cash dividends
$150Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.42%Cost of funding earning assets
3.73%Net interest margin
4.69%Noninterest income to earning assets
0.55%Noninterest expense to earning assets
2.95%Net operating income to assets
1.34%Return on assets (ROA)
1.37%Pretax return on assets
2.04%Return on equity (ROE)
17.77%Retained earnings to average equity (YTD only)
12.78%Net charge-offs to loans
-0.01%Credit loss provision to net charge-offs
-1625.00%Efficiency ratio
56,162Assets per employee
2.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
28.09%Loss allowance to loans
1.11%Loss allowance to noncurrent loans
905.13%Noncurrent assets plus other real estate owned to assets
0.09%Noncurrent loans to loans
0.12%Net loans and leases to deposits
89.02%Net loans and leases to core deposits
107.09%Equity capital to assets
7.74%Core capital (leverage) ratio
7.74%Tier 1 risk-based capital ratio
10.99%Total risk-based capital ratio
Memoranda
$12Average assets
$38,904Average earning assets
$3,004Average equity
$36,363Average loans

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