West Plains Savings and Loan Association in West Plains, Missouri (MO)
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| West Plains Savings and Loan Association | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 12 |
| Total assets | $88,831 |
| Cash and due from depository institutions | $3,733 |
| Interest-bearing balances | $1,171 |
| Securities | $23,923 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $58,092 |
| Loan loss allowance | $589 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,076 |
| Other real estate owned | $203 |
| Goodwill and other intangibles | $5 |
| All other assets | $799 |
| Life insurance assets | $88,831 |
| Total liabilities and capital | $75,836 |
| Total liabilities | $71,934 |
| Total deposits | $71,787 |
| Interest-bearing deposits | $71,934 |
| Deposits held in domestic offices | $95 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $3,816 |
| Other borrowed funds | $0 |
| Subordinated debt | $86 |
| All other liabilities | $12,995 |
| Total equity capital | $12,995 |
| Total bank equity capital | $12,995 |
| Perpetual preferred stock | $0 |
| Common stock | $0 |
| Surplus | $0 |
| Undivided profits | $12,995 |
| 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 | $1,270 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $323 |
| Average Assets, year-to-date | $83,186 |
| Average Assets, quarterly | $0 |
| Volatile liabilities | $87,888 |
| Insider loans | $89,814 |
| FHLB advances | $39,297 |
| Loans and leases held for sale | $88,826 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $12,992 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $645 |
| Derivatives | $165 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $3,968 |
| Total interest expense | $1,565 |
| Net interest income | $2,403 |
| Provision for loan and lease losses | $124 |
| Total noninterest income | $85 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $46 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $39 |
| Total noninterest expense | $1,285 |
| Salaries and employee benefits | $678 |
| Premises and equipment expense | $326 |
| Additional noninterest expense | $281 |
| Pre-tax net operating income | $1,079 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $346 |
| Income before extraordinary items | $733 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $733 |
| Net charge-offs | $0 |
| Cash dividends | $733 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.79% |
| Cost of funding earning assets | 1.89% |
| Net interest margin | 2.90% |
| Noninterest income to earning assets | 0.10% |
| Noninterest expense to earning assets | 1.55% |
| Net operating income to assets | 0.83% |
| Return on assets (ROA) | 0.83% |
| Pretax return on assets | 1.23% |
| Return on equity (ROE) | 5.80% |
| Retained earnings to average equity (YTD only) | 5.80% |
| Net charge-offs to loans | 0.00% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 0.00% |
| Assets per employee | $51,487 |
| Cash dividends to net income (YTD only) | 7.40% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 1.00% |
| Noncurrent assets plus other real estate owned to assets | 46.38% |
| Noncurrent loans to loans | 1.66% |
| Net loans and leases to deposits | 2.16% |
| Net loans and leases to core deposits | 80.76% |
| Equity capital to assets | 88.46% |
| Core capital (leverage) ratio | 14.63% |
| Tier 1 risk-based capital ratio | 14.63% |
| Total risk-based capital ratio | 33.06% |
| Memoranda | |
| Average assets | $34 |
| Average earning assets | $87,888 |
| Average equity | $12,640 |
| Average loans | $82,774 |
| 1 Missouri Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 44163 | West Plains Savings And Loan Associa | 417 West Broadway Street, West Plains, MO 65775 | January 01, 1919 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.