1st Cameron State Bank in Cameron, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • 1st Cameron State Bank in Cameron, Missouri (MO)
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1st Cameron State Bank - Overview

  • General
  • FDIC Certificate #: 32487
    Status: Active
    Federal Reserve ID: 941653
    Bank Holding Company (Regulatory Top Holder): C & M Bancshares, Inc. (RSSDID: 1064791, Location: Cameron, MO)
    Date Established: August 11, 1986
    WWW: http://www.1stcameron.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 8322
    FDIC's unique #: 45321
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: Consumer Lending Specialization
    Date of Deposit Insurance: August 11, 1986
    Last Structure Change Effective Date: June 29, 2009
    Last Structure Change Process Date: July 10, 2009
    Last Data Update: July 10, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 South Walnut, Cameron, MO 64429
    County: Clinton
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Corrections
    Name Change
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $48.8 mil
    Equity capital: $4.7 mil
    Deposits held in domestic offices: $39.9 mil
    Return on assets (ROA): 0.18% ($0.1 mil)
    Quarterly return on assets: 0.38% ($0.2 mil)
    Return on Equity (ROE): 1.86% ($0.1 mil)
    Quarterly return on equity: 3.95% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.27% ($131.8 mil)
    Quarterly Pretax return on assets: 0.44% ($214.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 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, 2011)

  • Dollar figures in thousands
  • 14Total employees (full-time equivalent)
  • $48,801Total assets
  • $5,607Cash and due from depository institutions
  • $4,664Interest-bearing balances
  • $8,398Securities
  • $74Federal funds sold & reverse repurchase agreements
  • $33,272Net loans & leases
  • $360Loan loss allowance
  • $0Trading account assets
  • $899Bank premises and fixed assets
  • $60Other real estate owned
  • $0Goodwill and other intangibles
  • $48,801Life insurance assets
  • $491All other assets
  • $44,139Total liabilities and capital
  • $39,890Total liabilities
  • $34,485Total deposits
  • $39,890Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 3975.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $274Subordinated debt
  • $4,662All other liabilities
  • $4,662Total equity capital
  • $4,662Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,337Surplus
  • $2,825Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $273Income earned, not collected on loans
  • $0Earning assets
  • $140Long-term assets (5+ years)
  • $46,408Average Assets, year-to-date
  • $10,776Average Assets, quarterly
  • $47,467Volatile liabilities
  • $48,598Insider loans
  • $26,714FHLB advances
  • $49,212Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,652Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,190Restructured Loans and leases
  • $458Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,003Total interest income
  • $399Total interest expense
  • $1,604Net interest income
  • $12Provision for loan and lease losses
  • $175Total noninterest income
  • $0Fiduciary activities
  • $159Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16Additional noninterest income
  • $1,639Total noninterest expense
  • $873Salaries and employee benefits
  • $253Premises and equipment expense
  • $513Additional noninterest expense
  • $128Pre-tax net operating income
  • $0Securities gains (losses)
  • $42Applicable income taxes
  • $86Income before extraordinary items
  • $0Extraordinary gains - net
  • $86Net income attributable to bank
  • $0Net charge-offs
  • $86Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $43Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • 0.18%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.27%Pretax return on assets
  • 1.86%Return on equity (ROE)
  • 0.93%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 38.71%Credit loss provision to net charge-offs
  • 4.52%Efficiency ratio
  • 92,130Assets per employee
  • 3.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.00%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 131.87%Noncurrent assets plus other real estate owned to assets
  • 0.68%Noncurrent loans to loans
  • 0.81%Net loans and leases to deposits
  • 83.41%Net loans and leases to core deposits
  • 90.77%Equity capital to assets
  • 9.55%Core capital (leverage) ratio
  • 9.45%Tier 1 risk-based capital ratio
  • 17.41%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $47,467Average earning assets
  • $4,634Average equity
  • $44,943Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0453211st Cameron State Bank124 South Walnut, Cameron, MO 64429August 11, 1986Full Service Brick and Mortar
    102288140Platte-Clay Way Branch515 Platte-Clay Way, Cameron, MO 64429October 06, 1997Full Service Brick and Mortar

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