Citizens Bank & Trust in Rock Port, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Citizens Bank & Trust - Overview

  • General
  • FDIC Certificate #: 14293
    Status: Active
    Federal Reserve ID: 964250
    Date Established: March 28, 1902
    WWW: http://www.cbtmo.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 8929
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: April 26, 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: 101 North Main Street, Rock Port, MO 64482
    County: Atchison
    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: $86.9 mil
    Equity capital: $9.4 mil
    Deposits held in domestic offices: $74.4 mil
    Return on assets (ROA): 1.49% ($1.3 mil)
    Quarterly return on assets: 1.43% ($1.2 mil)
    Return on Equity (ROE): 13.95% ($1.3 mil)
    Quarterly return on equity: 12.48% ($1.1 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.51% ($1,311.9 mil)
    Quarterly Pretax return on assets: 1.43% ($1,242.4 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
  • 23Total employees (full-time equivalent)
  • $86,881Total assets
  • $3,750Cash and due from depository institutions
  • $996Interest-bearing balances
  • $35,951Securities
  • $10,867Federal funds sold & reverse repurchase agreements
  • $33,843Net loans & leases
  • $596Loan loss allowance
  • $0Trading account assets
  • $1,372Bank premises and fixed assets
  • $72Other real estate owned
  • $50Goodwill and other intangibles
  • $86,881Life insurance assets
  • $976All other assets
  • $77,503Total liabilities and capital
  • $74,399Total liabilities
  • $62,564Total deposits
  • $74,399Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 2908.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $196Subordinated debt
  • $9,378All other liabilities
  • $9,378Total equity capital
  • $9,378Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $1,120Surplus
  • $7,858Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $826Income earned, not collected on loans
  • $0Earning assets
  • $614Long-term assets (5+ years)
  • $81,657Average Assets, year-to-date
  • $25,920Average Assets, quarterly
  • $81,757Volatile liabilities
  • $82,795Insider loans
  • $44,045FHLB advances
  • $82,172Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,165Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,509Restructured Loans and leases
  • $248Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,097Total interest income
  • $493Total interest expense
  • $2,604Net interest income
  • $8Provision for loan and lease losses
  • $557Total noninterest income
  • $33Fiduciary activities
  • $409Service charges on deposit accounts
  • $0Trading account gains & fees
  • $115Additional noninterest income
  • $1,922Total noninterest expense
  • $1,143Salaries and employee benefits
  • $318Premises and equipment expense
  • $461Additional noninterest expense
  • $1,231Pre-tax net operating income
  • $0Securities gains (losses)
  • $11Applicable income taxes
  • $1,220Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,220Net income attributable to bank
  • $0Net charge-offs
  • $1,220Cash dividends
  • $47Sale, conversion, retirement of capital stock, net
  • $700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.98%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 2.47%Noninterest expense to earning assets
  • 1.49%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 13.95%Return on equity (ROE)
  • 5.95%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 17.02%Credit loss provision to net charge-offs
  • 26.36%Efficiency ratio
  • 60,804Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.38%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 72.15%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 2.40%Net loans and leases to deposits
  • 45.49%Net loans and leases to core deposits
  • 47.54%Equity capital to assets
  • 10.79%Core capital (leverage) ratio
  • 9.94%Tier 1 risk-based capital ratio
  • 18.54%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $81,757Average earning assets
  • $8,746Average equity
  • $77,892Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $12,158Managed Assets
  • 1Number of Accounts
  • $11,637Personal trust and agency accounts
  • $11,616Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $21Non-managed Assets
  • 25Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $521Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $509Fiduciary accounts held in foreign offices

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08929Citizens Bank & Trust101 North Main Street, Rock Port, MO 64482March 28, 1902Full Service Brick and Mortar
    1790Craig Branch105 South Main Street, Craig, MO 64437November 09, 1929Full Service Brick and Mortar
    3269636Mound City Branch904 State Street, Mound City, MO 64470January 01, 1907Full Service Brick and Mortar

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