The Bank Of Missouri Mortgage Rates, Fees & Info

Perryville, MO

LEI: 549300JE6M4A1G4LPS75

Tax ID: 43-0170190

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    The Bank Of Missouri is a smaller bank specializing in Home Purchase and Refi loans. The Bank Of Missouri has a high proportion of conventional loans. Their top markets by origination volume include: Springfield, Cape Girardeau, Columbia, Naples, and Sikeston among others. We have data for 46 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Bank Of Missouri has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Bank Of Missouri is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.90% 4/30/24
    30 Year Conventional Refi 6.77% 4/30/24
    30 Year Cash-out Refi 6.98% 4/30/24
    30 Year FHA Purchase 6.27% 4/30/24
    30 Year FHA Refi 6.27% 4/30/24
    30 Year VA Purchase 6.27% 4/30/24
    30 Year USDA Purchase 6.27% 4/30/24
    15 Year Conventional Purchase 5.99% 4/30/24
    15 Year Conventional Refi 6.28% 4/30/24
    15 Year Cash-out Refi 6.28% 4/30/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    The Bank Of Missouri Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from The Bank Of Missouri. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,213

    Origination Dollar Volume (All Markets)

    $284,985,000

    Employee count

    537 Show all (10) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SPRINGFIELD, MO (FHA|USDA|VA) 331 $71,215,000 $215,151 $2,480 3.04%
    Outside of Metro Areas 293 $55,105,000 $188,072 $2,435 2.96%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 230 $49,900,000 $216,957 $2,419 2.99%
    COLUMBIA, MO (FHA|USDA|VA) 130 $45,000,000 $346,154 $2,166 2.97%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $13,225,000 $13,225,000 $0 3.27%
    Sikeston, MO (FHA|USDA|VA) 49 $8,415,000 $171,735 $2,427 3.20%
    Branson, MO (FHA|USDA|VA) 36 $7,470,000 $207,500 $2,520 3.11%
    Fort Leonard Wood, MO (FHA|USDA|VA) 19 $5,355,000 $281,842 $3,289 3.56%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 19 $4,225,000 $222,368 $2,607 2.95%
    Poplar Bluff, MO (FHA|USDA|VA) 20 $4,020,000 $201,000 $2,462 3.05%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 8 $2,250,000 $281,250 $2,723 3.10%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $2,150,000 $1,075,000 $6,629 3.06%
    Mexico, MO (FHA|USDA|VA) 15 $1,905,000 $127,000 $2,099 3.63%
    JEFFERSON CITY, MO (FHA|USDA|VA) 6 $1,820,000 $303,333 $2,085 3.45%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $1,705,000 $341,000 $2,807 2.58%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $1,400,000 $700,000 $9,320 2.38%
    WACO, TX (FHA|USDA|VA) 5 $975,000 $195,000 $0 4.01%
    Blytheville, AR (FHA|USDA|VA) 2 $960,000 $480,000 $2,121 3.08%
    Rolla, MO (FHA|USDA|VA) 6 $950,000 $158,333 $2,506 3.21%
    Greenwood, SC (FHA|USDA|VA) 1 $805,000 $805,000 $0 3.40%
    Paragould, AR (FHA|USDA|VA) 1 $545,000 $545,000 $0 3.90%
    Farmington, MO (FHA|USDA|VA) 3 $515,000 $171,667 $2,724 3.10%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $475,000 $475,000 $3,971 3.25%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $445,000 $445,000 $3,628 3.88%
    Dyersburg, TN (FHA|USDA|VA) 2 $370,000 $185,000 $2,904 2.81%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $365,000 $365,000 $3,767 3.00%
    JOPLIN, MO (FHA|USDA|VA) 1 $365,000 $365,000 $2,203 3.25%
    Lebanon, MO (FHA|USDA|VA) 2 $310,000 $155,000 $2,724 3.31%
    TULSA, OK (FHA|USDA|VA) 2 $310,000 $155,000 $3,287 3.00%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $255,000 $255,000 $2,908 2.88%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $235,000 $235,000 $2,967 2.38%
    Mount Vernon, IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,234 2.50%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,418 3.25%
    Kennett, MO (FHA|USDA|VA) 2 $160,000 $80,000 $1,241 3.65%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,888 3.25%
    Mountain Home, AR (FHA|USDA|VA) 1 $155,000 $155,000 $2,668 3.25%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $155,000 $155,000 $2,839 2.63%
    Sterling, IL (FHA|USDA|VA) 2 $150,000 $75,000 $0 3.95%
    JONESBORO, AR (FHA|USDA|VA) 1 $145,000 $145,000 $2,590 2.38%
    Kirksville, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,730 2.38%
    Murray, KY (FHA|USDA|VA) 1 $125,000 $125,000 $2,902 2.88%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $125,000 $125,000 $1,863 4.50%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.75%
    Ottawa, IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.95%
    Union City, TN (FHA|USDA|VA) 1 $55,000 $55,000 $2,420 3.25%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $45,000 $45,000 $2,209 2.38%
    The Bank Of Missouri's top markets include Springfield, Cape Girardeau, Columbia, Naples, and Sikeston among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against The Bank of Missouri based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Callaway Bank
    Similarity Rank: 198
    MISSOURI Credit Union
    Similarity Rank: 266
    FIRST WESTERN MORTGAGE, INC.
    Similarity Rank: 352
    WEST COMMUNITY
    Similarity Rank: 368
    Sullivan Bank
    Similarity Rank: 588
    Wood & Huston Bank
    Similarity Rank: 648
    Truity Federal Credit Union
    Similarity Rank: 728
    First Security Bank
    Similarity Rank: 735
    First Financial Bank
    Similarity Rank: 748
    The Farmers & Merchants Bank
    Similarity Rank: 784

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,212 $284,740,000 $234,934 $2,456 3.03%
    VA 1 $245,000 $245,000 $10,439 3.38%

    For 2021, The Bank Of Missouri's most frequently originated type of loan was Conventional, with 1,212 originations. Their 2nd most popular type was VA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 600 $131,330,000 $218,883 $2,592 3.19%
    Refi 461 $125,365,000 $271,941 $2,309 2.85%
    Cash Out Refi 105 $18,435,000 $175,571 $2,512 2.95%
    Other 25 $4,195,000 $167,800 $2,352 2.92%
    Home Improvement 22 $5,660,000 $257,273 $2,595 3.41%

    For 2021, The Bank Of Missouri's most frequently cited loan purpose was Home Purchase, with 600 originations. The 2nd most popular reason was Refi, with 461 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 751 $164,075,000 $218,475 $2,529 2.91%
    15 Year 243 $40,895,000 $168,292 $2,303 2.70%
    20 Year 96 $18,420,000 $191,875 $2,392 3.72%
    Other 53 $35,895,000 $677,264 $2,240 3.76%
    5 Year 31 $10,385,000 $335,000 $0 4.12%
    10 Year 19 $12,325,000 $648,684 $1,995 4.01%
    1 Year 12 $2,300,000 $191,667 $1,901 4.09%
    3 Year 7 $565,000 $80,714 $0 4.08%
    30+ year 1 $125,000 $125,000 $0 4.76%

    For 2021, The Bank Of Missouri's most frequently cited loan duration was 30 Year, with 751 originations. The 2nd most popular length was 15 Year, with 243 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 615 $117,825,000 $191,585
    $1k-2k 395 $81,175,000 $205,506
    $2k-3k 10 $4,160,000 $416,000
    $3k-4k 3 $3,505,000 $1,168,333
    $4k-5k 2 $2,710,000 $1,355,000

    The Bank Of Missouri's average total fees were $2,529, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 615 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 383 $79,745,000 $208,211
    3-4% 370 $95,890,000 $259,162
    2.5-3% 360 $92,690,000 $257,472
    4-5% 91 $14,775,000 $162,363
    5-6% 7 $1,785,000 $255,000
    6-7% 2 $100,000 $50,000

    During 2021, The Bank Of Missouri's average interest rate for loans was 2.91%, while their most frequently originated rate bucket for loans was <2.5%, with 383 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 466 $67,870,000 $145,644 $2,334 3.03%
    $200k-400k 376 $101,250,000 $269,282 $2,578 2.89%
    $100,000 or less 265 $18,095,000 $68,283 $2,137 3.24%
    $400k-600k 61 $28,695,000 $470,410 $3,059 2.87%
    $600k-1MM 31 $24,525,000 $791,129 $4,009 3.19%
    $1MM+ 14 $44,550,000 $3,182,143 $8,272 3.50%

    2021 saw The Bank Of Missouri place emphasis on $100k-200k loans with 466 originations, totaling $67,870,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 265 $30,365,000 $114,585 $2,373 3.02%
    $50k-75k 223 $36,355,000 $163,027 $2,437 2.98%
    $75k-100k 173 $32,215,000 $186,214 $2,450 2.86%
    $100k-150k 170 $38,300,000 $225,294 $2,536 2.98%
    $150k-250k 98 $30,430,000 $310,510 $2,778 2.95%
    $250k+ 57 $27,935,000 $490,088 $3,191 2.86%

    The Bank Of Missouri lent most frequently to those with incomes in the $50k or less range, with 265 originations. The second most popular income band? $50k-75k, with 223 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 312 $65,400,000 $209,615 $2,454 2.84%
    30-36% 200 $38,820,000 $194,100 $2,449 2.83%
    <20% 169 $35,375,000 $209,320 $2,461 2.69%
    41% 45 $9,815,000 $218,111 $2,451 2.78%
    36% 43 $10,045,000 $233,605 $2,583 2.92%
    42% 40 $9,670,000 $241,750 $2,617 2.84%
    39% 37 $6,605,000 $178,514 $2,343 2.93%
    38% 32 $6,140,000 $191,875 $2,458 2.91%
    40% 29 $6,505,000 $224,310 $2,537 2.88%
    37% 25 $5,165,000 $206,600 $2,477 2.79%
    44% 23 $3,855,000 $167,609 $2,457 3.29%
    43% 22 $3,660,000 $166,364 $2,516 3.30%
    45% 15 $2,765,000 $184,333 $2,712 3.23%
    50-60% 12 $2,060,000 $171,667 $2,329 3.47%
    47% 8 $1,400,000 $175,000 $2,348 2.89%
    48% 7 $1,105,000 $157,857 $2,560 3.00%
    49% 7 $735,000 $105,000 $2,187 3.02%
    >60% 7 $1,435,000 $205,000 $2,184 3.94%
    46% 5 $725,000 $145,000 $2,312 3.00%

    The Bank Of Missouri lent most frequently to those with DTI ratios of 20-30%, with 312 originations. The next most common DTI ratio? 30-36%, with 200 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,024 $205,000,000 $200,195 $2,460 2.93%
    Not applicable 123 $66,275,000 $538,821 $0 3.93%
    Not provided 44 $10,510,000 $238,864 $2,645 2.80%
    Black 10 $1,000,000 $100,000 $2,089 4.04%
    Asian 5 $935,000 $187,000 $1,844 2.58%
    American Indian 4 $460,000 $115,000 $2,434 3.20%
    Native Hawaiian or Islander 1 $375,000 $375,000 $3,114 2.38%
    Chinese 1 $305,000 $305,000 $2,544 2.38%
    Filipino 1 $125,000 $125,000 $2,902 2.88%

    Approval Rates

    Total approvals of all applications
    89.04%

    The Bank Of Missouri has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.08%

    The Bank Of Missouri has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    116.5 4 $380,000 $95,000
    NA 1,209 $284,605,000 $235,405

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,213 $284,985,000 $234,942

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 92 $12,540,000 $136,304 $2,107 2.80%
    40-60% 220 $44,240,000 $201,091 $2,385 2.85%
    60-80% 551 $140,195,000 $254,437 $2,483 3.05%
    80-100% 327 $83,925,000 $256,651 $2,583 3.15%
    Over 100% 3 $875,000 $291,667 $7,033 3.75%
    Under 20% 20 $3,210,000 $160,500 $1,887 3.66%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    TD BANK US HOLDING COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 24 16.9%
    TD BANK US HOLDING COMPANY Conventional home mortgage Closing on a mortgage 13 9.2%
    TD BANK US HOLDING COMPANY Conventional home mortgage Improper use of your report 1 0.7%
    TD BANK US HOLDING COMPANY Conventional home mortgage Incorrect information on your report 4 2.8%
    TD BANK US HOLDING COMPANY Conventional home mortgage Struggling to pay mortgage 6 4.2%
    TD BANK US HOLDING COMPANY Conventional home mortgage Trouble during payment process 37 26.1%
    TD BANK US HOLDING COMPANY FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 0.7%
    TD BANK US HOLDING COMPANY FHA mortgage Struggling to pay mortgage 2 1.4%
    TD BANK US HOLDING COMPANY FHA mortgage Trouble during payment process 1 0.7%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 15 10.6%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Closing on a mortgage 6 4.2%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Incorrect information on your report 1 0.7%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 1.4%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Trouble during payment process 11 7.7%
    TD BANK US HOLDING COMPANY Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 7 4.9%
    TD BANK US HOLDING COMPANY Other type of mortgage Closing on a mortgage 1 0.7%
    TD BANK US HOLDING COMPANY Other type of mortgage Struggling to pay mortgage 1 0.7%
    TD BANK US HOLDING COMPANY Other type of mortgage Trouble during payment process 6 4.2%
    TD BANK US HOLDING COMPANY VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.4%
    TD BANK US HOLDING COMPANY VA mortgage Trouble during payment process 1 0.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Bank of Missouri 101 West Main Street Steele, MO 63877 Full Service B&M $49,360
    The Bank of Missouri 106 East Hudson Wellsville, MO 63384 Full Service B&M $11,401
    The Bank of Missouri 107 West Kellett St Martinsburg, MO 65264 Full Service B&M $44,316
    The Bank of Missouri 1209 W 3rd St, Highway 84 Caruthersville, MO 63830 Full Service B&M $41,989
    The Bank of Missouri 1265 Aguilar Drive Montgomery City, MO 63361 Full Service B&M $28,433
    The Bank of Missouri 1301 West Jefferson Street Marshfield, MO 65706 Full Service B&M $3,654
    The Bank of Missouri 1301 West South Street Ozark, MO 65721 Full Service B&M $65,662
    The Bank of Missouri 1313 State Hwy 248 Branson, MO 65616 Full Service B&M $79,836
    The Bank of Missouri 1339 East Republic Road, Suite A Springfield, MO 65804 Full Service B&M $35,764
    The Bank of Missouri 1465 North Westwood Blvd Poplar Bluff, MO 63901 Full Service B&M $15,566
    The Bank of Missouri 1622 North Kingshighway Cape Girardeau, MO 63701 Full Service B&M $73,022
    The Bank of Missouri 18 West Sainte Maries Street Perryville, MO 63775 Limited, Drive-thru $0
    The Bank of Missouri 2126 West Broadway Bolivar, MO 65613 Full Service B&M $54,926
    The Bank of Missouri 214 South Allen Street Centralia, MO 65240 Full Service B&M $28,490
    The Bank of Missouri 216 West Second Street Dixon, MO 65459 Full Service B&M $62,537
    The Bank of Missouri 233 West Jackson Boulevard Jackson, MO 63755 Full Service B&M $102,412
    The Bank of Missouri 2360 East Sunshine Road Springfield, MO 65804 Full Service B&M $59,678
    The Bank of Missouri 2492 East Main Street Jackson, MO 63755 Full Service B&M $36,194
    The Bank of Missouri 2760 South Kansas Expressway Springfield, MO 65807 Full Service B&M $17,713
    The Bank of Missouri 2920 E Chestnut Expressway Springfield, MO 65802 Full Service B&M $29,732
    The Bank of Missouri 308 Conrad Ave Marble Hill, MO 63764 Full Service B&M $75,362
    The Bank of Missouri 315 Crites Scott City, MO 63780 Full Service B&M $78,021
    The Bank of Missouri 3427 William Street Cape Girardeau, MO 63701 Full Service B&M $170,852
    The Bank of Missouri 3610 Buttonwood Columbia, MO 65203 Full Service B&M $213,070
    The Bank of Missouri 372 South Kingshighway Cape Girardeau, MO 63703 Full Service B&M $22,552
    The Bank of Missouri 3807 South Campbell Springfield, MO 65807 Full Service B&M $40,652
    The Bank of Missouri 40 North Main Street Fair Grove, MO 65648 Full Service B&M $25,063
    The Bank of Missouri 400 South Muldrow Mexico, MO 65265 Full Service B&M $80,023
    The Bank of Missouri 434 State Highway Y Saint Robert, MO 65584 Full Service B&M $46,756
    The Bank of Missouri 440 Broadway Street Cape Girardeau, MO 63701 Full Service B&M $10,579
    The Bank of Missouri 495 South Springfield Avenue Bolivar, MO 65613 Full Service B&M $151,452
    The Bank of Missouri 500 North Route B Hallsville, MO 65255 Full Service B&M $6,616
    The Bank of Missouri 520 East Elm Avenue Republic, MO 65738 Full Service B&M $88,913
    The Bank of Missouri 916 North Kings Highway Perryville, MO 63775 Full Service B&M $307,211
    The Bank of Missouri 960 South Bishop Avenue Rolla, MO 65401 Full Service B&M $64,979
    The Bank of Missouri Highways 72 And 51 Patton, MO 63662 Limited, Drive-thru $20,855

    For 2021, The Bank Of Missouri had 36 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $90,636
    Net interest income $83,159
    Total noninterest income $45,816
    Gross Fiduciary activities income $1,490
    Service charges on deposit accounts $4,013
    Trading account gains and fees $130
    Additional Noninterest Income $40,183
    Pre-tax net operating income $44,150
    Securities gains (or losses, -) $69
    Income before extraordinary items $37,914
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $37,914
    Minority interest net income $28
    Net income $37,886
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $37,854

    The Bank Of Missouri's gross interest income from loans was $90,636,000.
    The Bank Of Missouri's net interest income from loans was $83,159,000.
    The Bank Of Missouri's fee based income from loans was $4,013,000.
    The Bank Of Missouri's net income from loans was $37,886,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,477
    Provision for credit losses $1,600
    Total noninterest expense $83,225
    Salaries and employee benefits $51,764
    Premises and equipment expense $7,425
    Additional noninterest expense $24,036
    Applicable income taxes $6,305
    Net charge-offs $897
    Cash dividends $5,000

    The Bank Of Missouri's interest expense for loans was $7,477,000.
    The Bank Of Missouri's payroll and benefits expense were $51,764,000.
    The Bank Of Missouri's property, plant and equipment expenses $7,425,000.

    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 $2,401,885
    Deposits held in domestic offices $2,401,885
    Deposits by Individuals, partnerships, and corporations $2,100,818
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $274,794
    Deposits by Commercial banks and other depository institutions in U.S. $26,273
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $777,084
    Demand deposits $526,728
    Nontransaction accounts $1,624,801
    Money market deposit accounts (MMDAs) $1,023,677
    Other savings deposits (excluding MMDAs) $289,668
    Total time deposits $311,456
    Total time and savings deposits $1,875,157
    Noninterest-bearing deposits $641,154
    Interest-bearing deposits $1,760,731
    Retail deposits $2,316,464
    IRAs and Keogh plan accounts $47,618
    Brokered deposits $6,202
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,818,411
    Cash & Balances due from depository institutions $301,565
    Interest-bearing balances $275,802
    Total securities $673,442
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,667,177
    Loan and leases loss allowance $22,806
    Trading account assets $1,945
    Bank premises and fixed assets $41,358
    Other real estate owned $668
    Goodwill and other intangibles $46,735
    All other assets $85,521

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,818,411
    Total Liabilities $2,498,533
    Total deposits $2,401,885
    Interest-bearing deposits $1,760,731
    Deposits held in domestic offices $2,401,885
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $26,317
    Trading liabilities $1,945
    Other borrowed funds $50,000
    Subordinated debt $0
    All other liabilities $18,386

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,667,177
    Loan and leases loss allowance $22,806
    Total loans and leases (domestic) $1,689,983
    All real estate loans $1,384,843
    Real estate loans in domestic offices $1,384,843
    Construction and development loans $119,455
    Residential 1-4 family construction $30,898
    Other construction, all land development and other land $88,557
    Loans secured by nonfarm nonresidential properties $504,772
    Nonfarm nonresidential secured by owner-occupied properties $229,705
    Commercial real estate & other non-farm, non-residential $275,067
    Multifamily residential real estate $93,921
    1-4 family residential loans $532,513
    Farmland loans $134,182
    Loans held in foreign offices $0
    Farm loans $37,617
    Commercial and industrial loans $201,853
    To non-U.S. addressees $0
    Loans to individuals $56,776
    Credit card loans $18,884
    Related Plans $2,669
    Consumer Auto Loans $9,468
    Other loans to individuals $25,755
    All other loans & leases $10,078
    Loans to foreign governments and official institutions $0
    Other loans $407
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $963
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $8,854
    Non 1-4 family restructured loans & leases $7,001
    Total loans and leases (foreign) $0

    The Bank of Missouri had $1,667,177,000 of loans outstanding in 2021. $1,384,843,000 of loans were in real estate loans. $119,455,000 of loans were in development loans. $93,921,000 of loans were in multifamily mortgage loans. $532,513,000 of loans were in 1-4 family mortgage loans. $37,617,000 of loans were in farm loans. $18,884,000 of loans were in credit card loans. $9,468,000 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 695 $132,167 $190,168
    Nonfarm, nonresidential loans - <$100k 180 $6,992 $38,844
    Nonfarm, nonresidential loans - $100-250k 212 $23,523 $110,958
    Nonfarm, nonresidential loans - $250k-1MM 303 $101,652 $335,485
    Commercial & Industrial, US addressed loans - <$1MM 1,191 $86,155 $72,338
    Commercial & Industrial, US addressed loans - <$100k 791 $18,729 $23,678
    Commercial & Industrial, US addressed loans - $100-250k 231 $21,093 $91,312
    Commercial & Industrial, US addressed loans - $250k-1MM 169 $46,333 $274,160
    Farmland loans - <$1MM 413 $46,609 $112,855
    Farmland loans - <$100k 172 $6,762 $39,314
    Farmland loans - $100-250k 167 $20,458 $122,503
    Farmland loans - $250k-1MM 74 $19,389 $262,014
    Agriculture operations loans - <$1MM 468 $20,190 $43,141
    Agriculture operations loans - <$100k 360 $6,936 $19,267
    Agriculture operations loans - $100-250k 73 $6,914 $94,712
    Agriculture operations loans - $250k-1MM 35 $6,340 $181,143