CBC Bank in Bowling Green, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


CBC Bank - Overview

  • General
  • FDIC Certificate #: 1421
    Status: Active
    Federal Reserve ID: 380841
    Bank Holding Company (Regulatory Top Holder): Clifford Bancshares, Inc. (RSSDID: 1097119, Location: Troy, MO)
    Date Established: January 01, 1871
    WWW: http://www.cbcbank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 941
    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: 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: 901 S Business Hwy 61, Bowling Green, MO 63334
    County: Pike
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $32.7 mil
    Equity capital: $3.3 mil
    Deposits held in domestic offices: $29.3 mil
    Return on assets (ROA): -0.20% (-$0.1 mil)
    Quarterly return on assets: -0.26% (-$0.1 mil)
    Return on Equity (ROE): -2.04% (-$0.1 mil)
    Quarterly return on equity: -2.66% (-$0.1 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.20% (-$65.4 mil)
    Quarterly Pretax return on assets: -0.26% (-$85.0 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
  • 19Total employees (full-time equivalent)
  • $32,680Total assets
  • $9,146Cash and due from depository institutions
  • $8,590Interest-bearing balances
  • $6,581Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $14,710Net loans & leases
  • $326Loan loss allowance
  • $0Trading account assets
  • $1,036Bank premises and fixed assets
  • $955Other real estate owned
  • $0Goodwill and other intangibles
  • $32,680Life insurance assets
  • $252All other assets
  • $29,383Total liabilities and capital
  • $29,312Total liabilities
  • $22,966Total deposits
  • $29,312Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $71Subordinated debt
  • $3,297All other liabilities
  • $3,297Total equity capital
  • $3,297Total bank equity capital
  • $0Perpetual preferred stock
  • $170Common stock
  • $750Surplus
  • $2,377Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $102Long-term assets (5+ years)
  • $29,881Average Assets, year-to-date
  • $840Average Assets, quarterly
  • $34,032Volatile liabilities
  • $33,320Insider loans
  • $16,746FHLB advances
  • $33,302Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,232Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,232Restructured Loans and leases
  • $118Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,143Total interest income
  • $210Total interest expense
  • $933Net interest income
  • $0Provision for loan and lease losses
  • $205Total noninterest income
  • $0Fiduciary activities
  • $76Service charges on deposit accounts
  • $0Trading account gains & fees
  • $129Additional noninterest income
  • $1,235Total noninterest expense
  • $679Salaries and employee benefits
  • $176Premises and equipment expense
  • $380Additional noninterest expense
  • -$97Pre-tax net operating income
  • $29Securities gains (losses)
  • $0Applicable income taxes
  • -$68Income before extraordinary items
  • $0Extraordinary gains - net
  • -$68Net income attributable to bank
  • $0Net charge-offs
  • -$68Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.68%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 3.00%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 3.97%Noninterest expense to earning assets
  • -0.29%Net operating income to assets
  • -0.20%Return on assets (ROA)
  • -0.20%Pretax return on assets
  • -2.04%Return on equity (ROE)
  • -2.04%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -19.40%Efficiency ratio
  • 108,524Assets per employee
  • 1.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.17%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 2.92%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 50.18%Net loans and leases to core deposits
  • 50.18%Equity capital to assets
  • 10.09%Core capital (leverage) ratio
  • 9.71%Tier 1 risk-based capital ratio
  • 19.30%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $34,032Average earning assets
  • $3,331Average equity
  • $31,071Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0941Cbc Bank901 S Business Hwy 61, Bowling Green, MO 63334January 01, 1871Full Service Brick and Mortar
    2189489South Second Street Facility410 South Second Street, Clarksville, MO 63336January 02, 1990Full Service Brick and Mortar
    3189490Troy Facility115 North Lincoln Drive, Troy, MO 63379January 28, 1991Full Service Brick and Mortar
    4189491St. Peters Branch688 Salt Lick Road, St. Peters, MO 63376April 15, 1998Full Service Brick and Mortar

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