America's Community Bank in Blue Springs, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

America's Community Bank - Overview

  • General
  • FDIC Certificate #: 8893
    Status: Active
    Federal Reserve ID: 440857
    Bank Holding Company (Regulatory Top Holder): Urich Bancorp, Inc. (RSSDID: 1064492, Location: Blue Springs, MO)
    Date Established: Febuary 27, 1888
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 5683
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1100 West Main Street, Blue Springs, MO 64015
    County: Jackson
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $28.2 mil
    Equity capital: $2.8 mil
    Deposits held in domestic offices: $23.2 mil
    Return on assets (ROA): -0.44% (-$0.1 mil)
    Quarterly return on assets: 0.46% ($0.1 mil)
    Return on Equity (ROE): -5.09% (-$0.2 mil)
    Quarterly return on equity: 4.79% ($0.1 mil)
    Net income: -$0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.44% (-$124.1 mil)
    Quarterly Pretax return on assets: 0.46% ($129.8 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
  • 12Total employees (full-time equivalent)
  • $28,215Total assets
  • $1,105Cash and due from depository institutions
  • $532Interest-bearing balances
  • $2,665Securities
  • $2,690Federal funds sold & reverse repurchase agreements
  • $20,299Net loans & leases
  • $706Loan loss allowance
  • $0Trading account assets
  • $277Bank premises and fixed assets
  • $166Other real estate owned
  • $38Goodwill and other intangibles
  • $28,215Life insurance assets
  • $975All other assets
  • $25,368Total liabilities and capital
  • $23,193Total liabilities
  • $20,170Total deposits
  • $23,193Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $175Subordinated debt
  • $2,847All other liabilities
  • $2,847Total equity capital
  • $2,847Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,380Surplus
  • $1,367Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $58Income earned, not collected on loans
  • $0Earning assets
  • $92Long-term assets (5+ years)
  • $26,186Average Assets, year-to-date
  • $1,798Average Assets, quarterly
  • $31,760Volatile liabilities
  • $29,861Insider loans
  • $18,977FHLB advances
  • $31,127Loans and leases held for sale
  • $232Unused loan commitments
  • $232Tier 1 (core) risk-based capital
  • $2,751Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,805Restructured Loans and leases
  • $719Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,402Total interest income
  • $304Total interest expense
  • $1,098Net interest income
  • $181Provision for loan and lease losses
  • $93Total noninterest income
  • $0Fiduciary activities
  • $36Service charges on deposit accounts
  • $0Trading account gains & fees
  • $57Additional noninterest income
  • $1,187Total noninterest expense
  • $480Salaries and employee benefits
  • $97Premises and equipment expense
  • $610Additional noninterest expense
  • -$177Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$177Income before extraordinary items
  • $37Extraordinary gains - net
  • -$140Net income attributable to bank
  • $0Net charge-offs
  • -$140Cash dividends
  • $91Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 4.13%Noninterest expense to earning assets
  • -0.56%Net operating income to assets
  • -0.44%Return on assets (ROA)
  • -0.44%Pretax return on assets
  • -5.09%Return on equity (ROE)
  • -5.09%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 198.90%Credit loss provision to net charge-offs
  • 0.04%Efficiency ratio
  • 99,664Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.36%Loss allowance to noncurrent loans
  • 1217.24%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 87.52%Net loans and leases to core deposits
  • 88.50%Equity capital to assets
  • 10.09%Core capital (leverage) ratio
  • 8.84%Tier 1 risk-based capital ratio
  • 14.50%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $31,760Average earning assets
  • $2,749Average equity
  • $28,715Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05683America's Community Bank1100 West Main Street, Blue Springs, MO 64015Febuary 27, 1888Full Service Brick and Mortar
    2219133Chilhowee Facility100 East Walnut Street, Chilhowee, MO 64733Febuary 03, 1997Full Service Brick and Mortar

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