Bank of Cairo and Moberly in Moberly, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Cairo and Moberly - Overview

  • General
  • FDIC Certificate #: 8254
    Status: Active
    Federal Reserve ID: 833646
    Bank Holding Company (Regulatory Top Holder): Cairo/Moberly Bancshares, Inc. (RSSDID: 1096916, Location: Moberly, MO)
    Date Established: April 14, 1905
    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)
    OTS Docket #: 14055
    FDIC's unique #: 5264
    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: No
    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: 207 East Rollins Street, Moberly, MO 65270
    County: Randolph
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Moberly, MO (#33620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $91.1 mil
    Equity capital: $13.7 mil
    Deposits held in domestic offices: $76.4 mil
    Return on assets (ROA): 1.63% ($1.5 mil)
    Quarterly return on assets: 1.44% ($1.3 mil)
    Return on Equity (ROE): 10.66% ($1.5 mil)
    Quarterly return on equity: 9.42% ($1.3 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.30% ($2,094.7 mil)
    Quarterly Pretax return on assets: 2.05% ($1,867.0 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
  • 24Total employees (full-time equivalent)
  • $91,075Total assets
  • $13,257Cash and due from depository institutions
  • $10,938Interest-bearing balances
  • $13,935Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $58,255Net loans & leases
  • $602Loan loss allowance
  • $0Trading account assets
  • $852Bank premises and fixed assets
  • $16Other real estate owned
  • $0Goodwill and other intangibles
  • $91,075Life insurance assets
  • $4,760All other assets
  • $77,332Total liabilities and capital
  • $76,418Total liabilities
  • $64,330Total deposits
  • $76,418Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $914Subordinated debt
  • $13,743All other liabilities
  • $13,743Total equity capital
  • $13,743Total bank equity capital
  • $0Perpetual preferred stock
  • $165Common stock
  • $1,000Surplus
  • $12,578Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $63Income earned, not collected on loans
  • $0Earning assets
  • $423Long-term assets (5+ years)
  • $83,128Average Assets, year-to-date
  • $44,472Average Assets, quarterly
  • $86,473Volatile liabilities
  • $89,274Insider loans
  • $61,162FHLB advances
  • $93,503Loans and leases held for sale
  • $1,789Unused loan commitments
  • $1,789Tier 1 (core) risk-based capital
  • $13,743Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,472Restructured Loans and leases
  • $558Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,790Total interest income
  • $390Total interest expense
  • $3,400Net interest income
  • $8Provision for loan and lease losses
  • $672Total noninterest income
  • $0Fiduciary activities
  • $101Service charges on deposit accounts
  • $0Trading account gains & fees
  • $571Additional noninterest income
  • $2,010Total noninterest expense
  • $1,296Salaries and employee benefits
  • $276Premises and equipment expense
  • $438Additional noninterest expense
  • $2,054Pre-tax net operating income
  • -$64Securities gains (losses)
  • $583Applicable income taxes
  • $1,407Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,407Net income attributable to bank
  • $0Net charge-offs
  • $1,407Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $330Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 4.30%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 2.54%Noninterest expense to earning assets
  • 1.68%Net operating income to assets
  • 1.63%Return on assets (ROA)
  • 2.30%Pretax return on assets
  • 10.66%Return on equity (ROE)
  • 8.16%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 49,361Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.45%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 955.56%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 76.23%Net loans and leases to core deposits
  • 80.65%Equity capital to assets
  • 15.09%Core capital (leverage) ratio
  • 14.70%Tier 1 risk-based capital ratio
  • 22.47%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $86,473Average earning assets
  • $13,204Average equity
  • $79,111Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05264Bank Of Cairo And Moberly207 East Rollins Street, Moberly, MO 65270April 14, 1905Full Service Brick and Mortar
    2218197B.C.m. Facility 24700 Sthy 24, Moberly, MO 65270September 24, 1990Full Service Brick and Mortar

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