FDIC Certificate #: 8291 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Valley View State Bank (#19631) Federal Reserve ID: 569954 Date Established: May 02, 1904 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 5290 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: January 01, 1934 Last Structure Change Effective Date: November 01, 1999 Last Structure Change Process Date: Febuary 02, 2000 Last Data Update: Febuary 02, 2000 Data Source Date: April 05, 2012
Location
Address: Main Street, Winona, MO 65588 County: Shannon 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
Financial Summary
Total assets: $25.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
12Total employees (full-time equivalent)
$26,318Total assets
$1,594Cash and due from depository institutions
$0Interest-bearing balances
$6,307Securities
$596Federal funds sold & reverse repurchase agreements
$16,926Net loans & leases
$293Loan loss allowance
$0Trading account assets
$341Bank premises and fixed assets
$205Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$349All other assets
$26,318Total liabilities and capital
$23,298Total liabilities
$23,092Total deposits
$19,249Interest-bearing deposits
$23,092Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$206All other liabilities
$3,020Total equity capital
$3,020Total bank equity capital
$3,020Perpetual preferred stock
$0Common stock
$61Surplus
$500Undivided profits
Memoranda
$2,459Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$66Earning assets
$0Long-term assets (5+ years)
$172Average Assets, year-to-date
$23,829Average Assets, quarterly
$1,667Volatile liabilities
$26,066Insider loans
$26,059FHLB advances
$3,630Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$16,023Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$2,116Total interest income
$836Total interest expense
$1,280Net interest income
$220Provision for loan and lease losses
$110Total noninterest income
$0Fiduciary activities
$73Service charges on deposit accounts
$0Trading account gains & fees
$37Additional noninterest income
$771Total noninterest expense
$440Salaries and employee benefits
$103Premises and equipment expense
$228Additional noninterest expense
$399Pre-tax net operating income
$34Securities gains (losses)
$122Applicable income taxes
$311Income before extraordinary items
$0Extraordinary gains - net
$311Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$209Sale, conversion, retirement of capital stock, net
$2,400Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.87%Yield on earning assets
3.50%Cost of funding earning assets
5.36%Net interest margin
0.46%Noninterest income to earning assets
3.23%Noninterest expense to earning assets
1.10%Net operating income to assets
1.19%Return on assets (ROA)
1.66%Pretax return on assets
6.49%Return on equity (ROE)
-43.58%Retained earnings to average equity (YTD only)
1.27%Net charge-offs to loans
105.26%Credit loss provision to net charge-offs
2.96%Efficiency ratio
55,468Assets per employee
2.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
771.70%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
443.94%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.38%Net loans and leases to deposits
73.30%Net loans and leases to core deposits
86.97%Equity capital to assets
11.48%Core capital (leverage) ratio
11.41%Tier 1 risk-based capital ratio
18.71%Total risk-based capital ratio
Memoranda
$20Average assets
$26,066Average earning assets
$4,793Average equity
$23,862Average loans
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