The Seymour Bank Mortgage Rates, Fees & Info

Seymour, MO

LEI: 5493007TX73PE04VDT88

Tax ID: 44-0428455

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

The Seymour Bank is a smaller bank specializing in various types of mortgages.

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Originations

Origination Dollar Volume (All Markets)

Employee count

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
TJC Mortgage, Inc.	FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	1	100.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
The Seymour Bank	101 West Jefferson Street Marshfield, MO 65706	Full Service B&M	$6,205
The Seymour Bank	110 Dempsey Drive Rogersville, MO 65742	Full Service B&M	$23,368
The Seymour Bank	119 N. Main St Seymour, MO 65746	Full Service B&M	$87,498

For 2019, The Seymour Bank had 3 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$6,988
Net interest income	$5,482
Total noninterest income	$1,084
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$242
Trading account gains and fees	$0
Additional Noninterest Income	$842
Pre-tax net operating income	$1,369
Securities gains (or losses, -)	$31
Income before extraordinary items	$1,200
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$1,200
Minority interest net income	$0
Net income	$1,200
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$1,173

The Seymour Bank's gross interest income from loans was $6,988,000.
The Seymour Bank's net interest income from loans was $5,482,000.
The Seymour Bank's fee based income from loans was $242,000.
The Seymour Bank's net income from loans was $1,200,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$1,506
Provision for credit losses	$-110
Total noninterest expense	$5,307
Salaries and employee benefits	$2,829
Premises and equipment expense	$852
Additional noninterest expense	$1,626
Applicable income taxes	$200
Net charge-offs	$-260
Cash dividends	$1,050

The Seymour Bank's interest expense for loans was $1,506,000.
The Seymour Bank's payroll and benefits expense were $2,829,000.
The Seymour Bank's property, plant and equipment expenses $852,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	1.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$134,557
Deposits held in domestic offices	$134,557
Deposits by Individuals, partnerships, and corporations	$106,070
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$28,487
Deposits by Commercial banks and other depository institutions in U.S.	$0
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$42,402
Demand deposits	$22,788
Nontransaction accounts	$92,155
Money market deposit accounts (MMDAs)	$33,048
Other savings deposits (excluding MMDAs)	$13,781
Total time deposits	$45,326
Total time and savings deposits	$111,769
Noninterest-bearing deposits	$23,075
Interest-bearing deposits	$111,482
Retail deposits	$127,629
IRAs and Keogh plan accounts	$0
Brokered deposits	$828
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$162,979
Cash & Balances due from depository institutions	$14,079
Interest-bearing balances	$12,320
Total securities	$42,815
Federal funds sold & reverse repurchase	$0
Net loans and leases	$99,632
Loan and leases loss allowance	$1,010
Trading account assets	$0
Bank premises and fixed assets	$3,521
Other real estate owned	$840
Goodwill and other intangibles	$0
All other assets	$2,092

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$162,979
Total Liabilities	$144,753
Total deposits	$134,557
Interest-bearing deposits	$111,482
Deposits held in domestic offices	$134,557
% insured (estimated)	$77
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$9,006
Subordinated debt	$0
All other liabilities	$1,190

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$99,632
Loan and leases loss allowance	$1,010
Total loans and leases (domestic)	$100,642
All real estate loans	$84,911
Real estate loans in domestic offices	$84,911
Construction and development loans	$3,459
Residential 1-4 family construction	$3,459
Other construction, all land development and other land	$0
Loans secured by nonfarm nonresidential properties	$14,462
Nonfarm nonresidential secured by owner-occupied properties	$9,993
Commercial real estate & other non-farm, non-residential	$4,469
Multifamily residential real estate	$650
1-4 family residential loans	$29,389
Farmland loans	$36,951
Loans held in foreign offices	$0
Farm loans	$2,649
Commercial and industrial loans	$4,280
To non-U.S. addressees	$0
Loans to individuals	$8,407
Credit card loans	$0
Related Plans	$0
Consumer Auto Loans	$0
Other loans to individuals	$8,407
All other loans & leases	$395
Loans to foreign governments and official institutions	$0
Other loans	$0
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$0
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

The Seymour Bank had $99,632,000 of loans outstanding in 2019. $84,911,000 of loans were in real estate loans. $3,459,000 of loans were in development loans. $650,000 of loans were in multifamily mortgage loans. $29,389,000 of loans were in 1-4 family mortgage loans. $2,649,000 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	90	$14,462	$160,689
Nonfarm, nonresidential loans - <$100k	90	$14,462	$160,689
Commercial & Industrial, US addressed loans - <$1MM	78	$4,280	$54,872
Commercial & Industrial, US addressed loans - <$100k	78	$4,280	$54,872
Farmland loans - <$1MM	409	$36,951	$90,345
Farmland loans - <$100k	409	$36,951	$90,345
Agriculture operations loans - <$1MM	195	$2,649	$13,585
Agriculture operations loans - <$100k	195	$2,649	$13,585