West Plains Bank and Trust Company in West Plains, Missouri (MO)
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| West Plains Bank and Trust Company | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 64 |
| Total assets | $301,038 |
| Cash and due from depository institutions | $23,139 |
| Interest-bearing balances | $14,753 |
| Securities | $89,525 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $173,951 |
| Loan loss allowance | $2,815 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $3,818 |
| Other real estate owned | $237 |
| Goodwill and other intangibles | $507 |
| All other assets | $9,861 |
| Life insurance assets | $301,038 |
| Total liabilities and capital | $273,351 |
| Total liabilities | $242,048 |
| Total deposits | $220,060 |
| Interest-bearing deposits | $242,048 |
| Deposits held in domestic offices | $81 |
| % insured (estimated) | 25365.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $3,500 |
| Other borrowed funds | $0 |
| Subordinated debt | $2,438 |
| All other liabilities | $27,687 |
| Total equity capital | $27,687 |
| Total bank equity capital | $27,687 |
| Perpetual preferred stock | $0 |
| Common stock | $440 |
| Surplus | $1,510 |
| Undivided profits | $25,737 |
| 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 | $1,190 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,565 |
| Average Assets, year-to-date | $278,229 |
| Average Assets, quarterly | $105,246 |
| Volatile liabilities | $285,447 |
| Insider loans | $292,483 |
| FHLB advances | $194,514 |
| Loans and leases held for sale | $293,472 |
| Unused loan commitments | $6,145 |
| Tier 1 (core) risk-based capital | $3,401 |
| Tier 2 risk-based capital | $25,796 |
| Total risk weighted assets | $109 |
| Total unused commitments | $2,635 |
| Restructured Loans and leases | $26,702 |
| Derivatives | $7,029 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $12,002 |
| Total interest expense | $2,179 |
| Net interest income | $9,823 |
| Provision for loan and lease losses | $1,100 |
| Total noninterest income | $2,492 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $1,034 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,458 |
| Total noninterest expense | $6,694 |
| Salaries and employee benefits | $3,873 |
| Premises and equipment expense | $677 |
| Additional noninterest expense | $2,144 |
| Pre-tax net operating income | $4,521 |
| Securities gains (losses) | $162 |
| Applicable income taxes | $29 |
| Income before extraordinary items | $4,654 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $4,654 |
| Net charge-offs | $0 |
| Cash dividends | $4,654 |
| Sale, conversion, retirement of capital stock, net | $969 |
| Net operating income | $2,705 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.51% |
| Cost of funding earning assets | 0.82% |
| Net interest margin | 3.69% |
| Noninterest income to earning assets | 0.94% |
| Noninterest expense to earning assets | 2.51% |
| Net operating income to assets | 1.57% |
| Return on assets (ROA) | 1.63% |
| Pretax return on assets | 1.64% |
| Return on equity (ROE) | 17.94% |
| Retained earnings to average equity (YTD only) | 7.51% |
| Net charge-offs to loans | 0.56% |
| Credit loss provision to net charge-offs | 113.52% |
| Efficiency ratio | 5.80% |
| Assets per employee | $54,356 |
| Cash dividends to net income (YTD only) | 4.70% |
| Condition Ratios (%) | |
| Loss allowance to loans | 58.12% |
| Loss allowance to noncurrent loans | 1.59% |
| Noncurrent assets plus other real estate owned to assets | 236.55% |
| Noncurrent loans to loans | 0.47% |
| Net loans and leases to deposits | 0.67% |
| Net loans and leases to core deposits | 71.87% |
| Equity capital to assets | 77.78% |
| Core capital (leverage) ratio | 9.20% |
| Tier 1 risk-based capital ratio | 8.79% |
| Total risk-based capital ratio | 13.26% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $285,447 |
| Average equity | $25,939 |
| Average loans | $266,381 |
| 5 Missouri Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 9792 | West Plains Bank And Trust Company | 11 Court Square, West Plains, MO 65775 | April 13, 1883 | Full Service Brick and Mortar |  |
| 1 | 234132 | Drive-In Branch | 318 Broadway, West Plains, MO 65775 | April 20, 1971 | Limited Service Facility |  |
| 2 | 234133 | Porter Wagoner Branch | 1601 Porter Wagoner Boulevard, West Plains, MO 65775 | September 02, 1981 | Full Service Brick and Mortar | |
| 3 | 234134 | Mountain View Branch | 607 North Elm, Mountain View, MO 65548 | July 05, 1993 | Full Service Brick and Mortar | |
| 4 | 357707 | Bradford Branch | 301 North Kentucky Street, West Plains, MO 65775 | August 10, 2000 | Limited Service Facility | |
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Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.