The Seymour Bank Mortgage Rates, Fees & Info

Seymour, MO

LEI: 5493007TX73PE04VDT88

Tax ID: 44-0428455

Latest/2024 | 2023 Data | 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

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	$37,740
The Seymour Bank	110 Dempsey Drive Rogersville, MO 65742	Full Service B&M	$30,132
The Seymour Bank	119 N. Main St Seymour, MO 65746	Full Service B&M	$109,165

For 2021, The Seymour Bank had 3 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$7,367
Net interest income	$6,341
Total noninterest income	$1,368
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$201
Trading account gains and fees	$0
Additional Noninterest Income	$1,167
Pre-tax net operating income	$2,328
Securities gains (or losses, -)	$119
Income before extraordinary items	$2,060
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$2,060
Minority interest net income	$0
Net income	$2,060
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$1,960

The Seymour Bank's gross interest income from loans was $7,367,000.
The Seymour Bank's net interest income from loans was $6,341,000.
The Seymour Bank's fee based income from loans was $201,000.
The Seymour Bank's net income from loans was $2,060,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$1,026
Provision for credit losses	$-149
Total noninterest expense	$5,530
Salaries and employee benefits	$3,039
Premises and equipment expense	$902
Additional noninterest expense	$1,589
Applicable income taxes	$387
Net charge-offs	$-6
Cash dividends	$300

The Seymour Bank's interest expense for loans was $1,026,000.
The Seymour Bank's payroll and benefits expense were $3,039,000.
The Seymour Bank's property, plant and equipment expenses $902,000.

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	0.0%
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	$195,224
Deposits held in domestic offices	$195,224
Deposits by Individuals, partnerships, and corporations	$143,554
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$51,436
Deposits by Commercial banks and other depository institutions in U.S.	$234
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$74,362
Demand deposits	$43,719
Nontransaction accounts	$120,862
Money market deposit accounts (MMDAs)	$56,915
Other savings deposits (excluding MMDAs)	$24,554
Total time deposits	$39,393
Total time and savings deposits	$151,505
Noninterest-bearing deposits	$42,452
Interest-bearing deposits	$152,772
Retail deposits	$187,265
IRAs and Keogh plan accounts	$0
Brokered deposits	$3,435
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$216,273
Cash & Balances due from depository institutions	$20,153
Interest-bearing balances	$18,633
Total securities	$76,723
Federal funds sold & reverse repurchase	$8,166
Net loans and leases	$105,048
Loan and leases loss allowance	$1,041
Trading account assets	$0
Bank premises and fixed assets	$3,867
Other real estate owned	$496
Goodwill and other intangibles	$0
All other assets	$1,820

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$216,273
Total Liabilities	$195,575
Total deposits	$195,224
Interest-bearing deposits	$152,772
Deposits held in domestic offices	$195,224
% insured (estimated)	$71
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$351

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$105,048
Loan and leases loss allowance	$1,041
Total loans and leases (domestic)	$106,089
All real estate loans	$88,840
Real estate loans in domestic offices	$88,840
Construction and development loans	$3,590
Residential 1-4 family construction	$3,590
Other construction, all land development and other land	$0
Loans secured by nonfarm nonresidential properties	$16,552
Nonfarm nonresidential secured by owner-occupied properties	$5,820
Commercial real estate & other non-farm, non-residential	$10,732
Multifamily residential real estate	$581
1-4 family residential loans	$36,110
Farmland loans	$32,007
Loans held in foreign offices	$0
Farm loans	$2,726
Commercial and industrial loans	$5,723
To non-U.S. addressees	$0
Loans to individuals	$8,515
Credit card loans	$0
Related Plans	$0
Consumer Auto Loans	$3,400
Other loans to individuals	$5,115
All other loans & leases	$285
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	$351
Non 1-4 family restructured loans & leases	$67
Total loans and leases (foreign)	$0

The Seymour Bank had $105,048,000 of loans outstanding in 2021. $88,840,000 of loans were in real estate loans. $3,590,000 of loans were in development loans. $581,000 of loans were in multifamily mortgage loans. $36,110,000 of loans were in 1-4 family mortgage loans. $2,726,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,400,000 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	118	$14,383	$121,890
Nonfarm, nonresidential loans - <$100k	77	$2,696	$35,013
Nonfarm, nonresidential loans - $100-250k	22	$3,658	$166,273
Nonfarm, nonresidential loans - $250k-1MM	19	$8,029	$422,579
Commercial & Industrial, US addressed loans - <$1MM	107	$5,723	$53,486
Commercial & Industrial, US addressed loans - <$100k	90	$2,496	$27,733
Commercial & Industrial, US addressed loans - $100-250k	10	$1,578	$157,800
Commercial & Industrial, US addressed loans - $250k-1MM	7	$1,649	$235,571
Farmland loans - <$1MM	357	$32,007	$89,655
Farmland loans - <$100k	357	$32,007	$89,655
Agriculture operations loans - <$1MM	155	$2,726	$17,587
Agriculture operations loans - <$100k	155	$2,726	$17,587