Central Bank of Missouri in Sedalia, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Central Bank of Missouri - Overview

  • General
  • FDIC Certificate #: 13787
    Status: Active
    Federal Reserve ID: 491251
    Bank Holding Company (Regulatory Top Holder): Warren County Bancshares, Inc. (RSSDID: 1138393, Location: Warrenton, MO)
    Date Established: January 01, 1891
    WWW: http://www.cbofmo.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13533
    FDIC's unique #: 8619
    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 30, 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: 1601 South Limit, Sedalia, MO 65301
    County: Pettis
    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): Sedalia, MO (#42740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $81.3 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $69.3 mil
    Return on assets (ROA): -1.43% (-$1.2 mil)
    Quarterly return on assets: -5.64% (-$4.6 mil)
    Return on Equity (ROE): -12.75% (-$1.0 mil)
    Quarterly return on equity: -53.51% (-$4.3 mil)
    Net income: -$1.2 mil
    Quarterly Net income: -$1.2 mil
    Pretax return on assets: -1.42% (-$1,153.8 mil)
    Quarterly Pretax return on assets: -5.64% (-$4,582.6 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
  • 26Total employees (full-time equivalent)
  • $81,251Total assets
  • $2,122Cash and due from depository institutions
  • $98Interest-bearing balances
  • $12,019Securities
  • $3,509Federal funds sold & reverse repurchase agreements
  • $59,266Net loans & leases
  • $1,581Loan loss allowance
  • $0Trading account assets
  • $2,568Bank premises and fixed assets
  • $1,009Other real estate owned
  • $0Goodwill and other intangibles
  • $81,252Life insurance assets
  • $758All other assets
  • $73,180Total liabilities and capital
  • $69,328Total liabilities
  • $56,117Total deposits
  • $69,328Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 1714.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $138Subordinated debt
  • $8,072All other liabilities
  • $8,072Total equity capital
  • $8,072Total bank equity capital
  • $0Perpetual preferred stock
  • $450Common stock
  • $4,814Surplus
  • $2,808Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $222Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,896Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $74,892Average Assets, year-to-date
  • $20,476Average Assets, quarterly
  • $81,346Volatile liabilities
  • $82,255Insider loans
  • $56,398FHLB advances
  • $81,859Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,801Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,562Restructured Loans and leases
  • $1,967Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,727Total interest income
  • $655Total interest expense
  • $3,072Net interest income
  • $990Provision for loan and lease losses
  • $300Total noninterest income
  • $0Fiduciary activities
  • $183Service charges on deposit accounts
  • $0Trading account gains & fees
  • $117Additional noninterest income
  • $3,540Total noninterest expense
  • $980Salaries and employee benefits
  • $491Premises and equipment expense
  • $2,069Additional noninterest expense
  • -$1,158Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • -$1,162Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,162Net income attributable to bank
  • $0Net charge-offs
  • -$1,162Cash dividends
  • $827Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 4.78%Noninterest expense to earning assets
  • -1.43%Net operating income to assets
  • -1.43%Return on assets (ROA)
  • -1.42%Pretax return on assets
  • -12.75%Return on equity (ROE)
  • -12.75%Retained earnings to average equity (YTD only)
  • 1.35%Net charge-offs to loans
  • 119.71%Credit loss provision to net charge-offs
  • -0.20%Efficiency ratio
  • 65,985Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.60%Loss allowance to noncurrent loans
  • 83.39%Noncurrent assets plus other real estate owned to assets
  • 3.58%Noncurrent loans to loans
  • 3.12%Net loans and leases to deposits
  • 85.49%Net loans and leases to core deposits
  • 90.82%Equity capital to assets
  • 9.93%Core capital (leverage) ratio
  • 9.53%Tier 1 risk-based capital ratio
  • 13.83%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $81,346Average earning assets
  • $9,117Average equity
  • $73,997Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08619Central Bank Of Missouri1601 South Limit, Sedalia, MO 65301January 01, 1891Full Service Brick and Mortar
    1230191Main And Bridge Street Facility103 W Washington, Smithton, MO 65350March 08, 1982Limited Service Facility
    24396652500 Range Line Road Branch2500 Range Line Road, Columbia, MO 65202April 04, 2005Full Service Brick and Mortar

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