West Plains Savings and Loan Association in West Plains, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • West Plains Savings and Loan Association in West Plains, Missouri (MO)
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West Plains Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 31329
    Status: Active
    Federal Reserve ID: 966973
    Date Established: January 01, 1919
    WWW: http://www.westplainssavingsandloan.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 6753
    FDIC's unique #: 44163
    Numeric code: 36
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 28, 1963
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 417 West Broadway Street, 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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $88.8 mil
    Equity capital: $13.0 mil
    Deposits held in domestic offices: $71.9 mil
    Return on assets (ROA): 0.83% ($0.7 mil)
    Quarterly return on assets: 0.65% ($0.6 mil)
    Return on Equity (ROE): 5.80% ($0.8 mil)
    Quarterly return on equity: 4.55% ($0.6 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.23% ($1,092.6 mil)
    Quarterly Pretax return on assets: 1.02% ($906.1 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
  • 12Total employees (full-time equivalent)
  • $88,831Total assets
  • $3,733Cash and due from depository institutions
  • $1,171Interest-bearing balances
  • $23,923Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $58,092Net loans & leases
  • $589Loan loss allowance
  • $0Trading account assets
  • $2,076Bank premises and fixed assets
  • $203Other real estate owned
  • $5Goodwill and other intangibles
  • $88,831Life insurance assets
  • $799All other assets
  • $75,836Total liabilities and capital
  • $71,934Total liabilities
  • $71,787Total deposits
  • $71,934Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,816Trading liabilities
  • $0Other borrowed funds
  • $86Subordinated debt
  • $12,995All other liabilities
  • $12,995Total equity capital
  • $12,995Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $12,995Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,270Income earned, not collected on loans
  • $0Earning assets
  • $323Long-term assets (5+ years)
  • $83,186Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $87,888Volatile liabilities
  • $89,814Insider loans
  • $39,297FHLB advances
  • $88,826Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,992Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $645Restructured Loans and leases
  • $165Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,968Total interest income
  • $1,565Total interest expense
  • $2,403Net interest income
  • $124Provision for loan and lease losses
  • $85Total noninterest income
  • $0Fiduciary activities
  • $46Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $1,285Total noninterest expense
  • $678Salaries and employee benefits
  • $326Premises and equipment expense
  • $281Additional noninterest expense
  • $1,079Pre-tax net operating income
  • $0Securities gains (losses)
  • $346Applicable income taxes
  • $733Income before extraordinary items
  • $0Extraordinary gains - net
  • $733Net income attributable to bank
  • $0Net charge-offs
  • $733Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 1.89%Cost of funding earning assets
  • 2.90%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 1.55%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 5.80%Return on equity (ROE)
  • 5.80%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 51,487Assets per employee
  • 7.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 46.38%Noncurrent assets plus other real estate owned to assets
  • 1.66%Noncurrent loans to loans
  • 2.16%Net loans and leases to deposits
  • 80.76%Net loans and leases to core deposits
  • 88.46%Equity capital to assets
  • 14.63%Core capital (leverage) ratio
  • 14.63%Tier 1 risk-based capital ratio
  • 33.06%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $87,888Average earning assets
  • $12,640Average equity
  • $82,774Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044163West Plains Savings And Loan Associa417 West Broadway Street, West Plains, MO 65775January 01, 1919Full Service Brick and Mortar

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