West Plains Bank and Trust Company in West Plains, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • West Plains Bank and Trust Company in West Plains, Missouri (MO)
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West Plains Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 15489
    Status: Active
    Federal Reserve ID: 317258
    Bank Holding Company (Regulatory Top Holder): West Plains Bancshares, Inc. (RSSDID: 1095852, Location: West Plains, MO)
    Date Established: April 13, 1883
    WWW: http://www.westplainsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13555
    FDIC's unique #: 9792
    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: May 01, 1937
    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: 11 Court Square, West Plains, MO 65775
    County: Howell
    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
    Core Based Statistical Area (CBSA): West Plains, MO (#48460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $301.0 mil
    Equity capital: $27.7 mil
    Deposits held in domestic offices: $242.0 mil
    Return on assets (ROA): 1.63% ($4.9 mil)
    Quarterly return on assets: 2.09% ($6.3 mil)
    Return on Equity (ROE): 17.94% ($5.0 mil)
    Quarterly return on equity: 22.52% ($6.3 mil)
    Net income: $4.7 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.64% ($4,937.0 mil)
    Quarterly Pretax return on assets: 2.13% ($6,412.1 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
  • 64Total employees (full-time equivalent)
  • $301,038Total assets
  • $23,139Cash and due from depository institutions
  • $14,753Interest-bearing balances
  • $89,525Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $173,951Net loans & leases
  • $2,815Loan loss allowance
  • $0Trading account assets
  • $3,818Bank premises and fixed assets
  • $237Other real estate owned
  • $507Goodwill and other intangibles
  • $301,038Life insurance assets
  • $9,861All other assets
  • $273,351Total liabilities and capital
  • $242,048Total liabilities
  • $220,060Total deposits
  • $242,048Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 25365.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $2,438Subordinated debt
  • $27,687All other liabilities
  • $27,687Total equity capital
  • $27,687Total bank equity capital
  • $0Perpetual preferred stock
  • $440Common stock
  • $1,510Surplus
  • $25,737Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,190Income earned, not collected on loans
  • $0Earning assets
  • $1,565Long-term assets (5+ years)
  • $278,229Average Assets, year-to-date
  • $105,246Average Assets, quarterly
  • $285,447Volatile liabilities
  • $292,483Insider loans
  • $194,514FHLB advances
  • $293,472Loans and leases held for sale
  • $6,145Unused loan commitments
  • $3,401Tier 1 (core) risk-based capital
  • $25,796Tier 2 risk-based capital
  • $109Total risk weighted assets
  • $2,635Total unused commitments
  • $26,702Restructured Loans and leases
  • $7,029Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,002Total interest income
  • $2,179Total interest expense
  • $9,823Net interest income
  • $1,100Provision for loan and lease losses
  • $2,492Total noninterest income
  • $0Fiduciary activities
  • $1,034Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,458Additional noninterest income
  • $6,694Total noninterest expense
  • $3,873Salaries and employee benefits
  • $677Premises and equipment expense
  • $2,144Additional noninterest expense
  • $4,521Pre-tax net operating income
  • $162Securities gains (losses)
  • $29Applicable income taxes
  • $4,654Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,654Net income attributable to bank
  • $0Net charge-offs
  • $4,654Cash dividends
  • $969Sale, conversion, retirement of capital stock, net
  • $2,705Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • 1.57%Net operating income to assets
  • 1.63%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 17.94%Return on equity (ROE)
  • 7.51%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 113.52%Credit loss provision to net charge-offs
  • 5.80%Efficiency ratio
  • 54,356Assets per employee
  • 4.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.12%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 236.55%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 71.87%Net loans and leases to core deposits
  • 77.78%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 8.79%Tier 1 risk-based capital ratio
  • 13.26%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $285,447Average earning assets
  • $25,939Average equity
  • $266,381Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09792West Plains Bank And Trust Company11 Court Square, West Plains, MO 65775April 13, 1883Full Service Brick and Mortar
    1234132Drive-In Branch318 Broadway, West Plains, MO 65775April 20, 1971Limited Service Facility
    2234133Porter Wagoner Branch1601 Porter Wagoner Boulevard, West Plains, MO 65775September 02, 1981Full Service Brick and Mortar
    3234134Mountain View Branch607 North Elm, Mountain View, MO 65548July 05, 1993Full Service Brick and Mortar
    4357707Bradford Branch301 North Kentucky Street, West Plains, MO 65775August 10, 2000Limited Service Facility

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