Chillicothe State Bank in Chillicothe, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Chillicothe State Bank in Chillicothe, Missouri (MO)
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Chillicothe State Bank - Overview

  • General
  • FDIC Certificate #: 15546
    Status: Active
    Federal Reserve ID: 504142
    Bank Holding Company (Regulatory Top Holder): C.S. Bancshares, Inc. (RSSDID: 1138786, Location: Chillicothe, MO)
    Date Established: October 19, 1937
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 12906
    FDIC's unique #: 9840
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: November 22, 1937
    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: 600 Washington Street, Chillicothe, MO 64601
    County: Livingston
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $111.9 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $98.2 mil
    Return on assets (ROA): 1.67% ($1.9 mil)
    Quarterly return on assets: 1.43% ($1.6 mil)
    Return on Equity (ROE): 18.83% ($1.9 mil)
    Quarterly return on equity: 16.42% ($1.6 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.68% ($1,880.3 mil)
    Quarterly Pretax return on assets: 1.44% ($1,611.7 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
  • 30Total employees (full-time equivalent)
  • $111,925Total assets
  • $5,607Cash and due from depository institutions
  • $4,240Interest-bearing balances
  • $35,880Securities
  • $155Federal funds sold & reverse repurchase agreements
  • $64,535Net loans & leases
  • $1,214Loan loss allowance
  • $0Trading account assets
  • $2,568Bank premises and fixed assets
  • $33Other real estate owned
  • $0Goodwill and other intangibles
  • $111,925Life insurance assets
  • $3,147All other assets
  • $102,156Total liabilities and capital
  • $98,196Total liabilities
  • $85,093Total deposits
  • $98,196Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,406Trading liabilities
  • $0Other borrowed funds
  • $554Subordinated debt
  • $9,769All other liabilities
  • $9,769Total equity capital
  • $9,769Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $600Surplus
  • $8,569Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,785Income earned, not collected on loans
  • $0Earning assets
  • $673Long-term assets (5+ years)
  • $104,810Average Assets, year-to-date
  • $23,491Average Assets, quarterly
  • $112,007Volatile liabilities
  • $111,944Insider loans
  • $62,574FHLB advances
  • $113,702Loans and leases held for sale
  • $1,726Unused loan commitments
  • $1,726Tier 1 (core) risk-based capital
  • $9,291Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,053Restructured Loans and leases
  • $276Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,764Total interest income
  • $852Total interest expense
  • $3,912Net interest income
  • $91Provision for loan and lease losses
  • $729Total noninterest income
  • $0Fiduciary activities
  • $305Service charges on deposit accounts
  • $0Trading account gains & fees
  • $424Additional noninterest income
  • $2,664Total noninterest expense
  • $1,532Salaries and employee benefits
  • $347Premises and equipment expense
  • $785Additional noninterest expense
  • $1,886Pre-tax net operating income
  • $0Securities gains (losses)
  • $17Applicable income taxes
  • $1,869Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,869Net income attributable to bank
  • $0Net charge-offs
  • $1,869Cash dividends
  • $26Sale, conversion, retirement of capital stock, net
  • $2,523Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 2.54%Noninterest expense to earning assets
  • 1.67%Net operating income to assets
  • 1.67%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 18.83%Return on equity (ROE)
  • -6.59%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 350.00%Credit loss provision to net charge-offs
  • 76.04%Efficiency ratio
  • 57,401Assets per employee
  • 3.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 134.99%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 43.59%Noncurrent assets plus other real estate owned to assets
  • 2.52%Noncurrent loans to loans
  • 4.24%Net loans and leases to deposits
  • 65.72%Net loans and leases to core deposits
  • 66.64%Equity capital to assets
  • 8.73%Core capital (leverage) ratio
  • 8.17%Tier 1 risk-based capital ratio
  • 14.85%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $112,007Average earning assets
  • $9,926Average equity
  • $104,794Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09840Chillicothe State Bank600 Washington Street, Chillicothe, MO 64601October 19, 1937Full Service Brick and Mortar
    1234522Drive-In Branch812-820 Webster Street, Chillicothe, MO 64601May 14, 1971Limited Service Facility
    2234523Drive-In Facility815 South Washington Street, Chillicothe, MO 64601March 20, 1978Limited Service Facility

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