Citizens Bank and Trust Company in Chillicothe, Missouri (MO), KS
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Citizens Bank and Trust Company in Chillicothe, Missouri (MO), KS
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Citizens Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 4533
    Status: Active
    Federal Reserve ID: 381343
    Bank Holding Company (Regulatory Top Holder): Young Partners, L.P. (RSSDID: 3299207, Location: Chillicothe, MO)
    Date Established: January 01, 1889
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 19 (Domestic: 19, Interstate: Yes)
    OTS Docket #: 10264
    FDIC's unique #: 2999
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 22, 2008
    Last Structure Change Process Date: August 25, 2008
    Last Data Update: August 25, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 515 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
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $867.0 mil
    Equity capital: $89.0 mil
    Deposits held in domestic offices: $709.5 mil
    Return on assets (ROA): -0.17% (-$1.5 mil)
    Quarterly return on assets: -0.54% (-$4.7 mil)
    Return on Equity (ROE): -1.76% (-$1.6 mil)
    Quarterly return on equity: -5.48% (-$4.9 mil)
    Net income: -$1.6 mil
    Quarterly Net income: -$1.2 mil
    Pretax return on assets: -0.17% (-$1,473.9 mil)
    Quarterly Pretax return on assets: -0.54% (-$4,681.8 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
  • 221Total employees (full-time equivalent)
  • $866,995Total assets
  • $30,096Cash and due from depository institutions
  • $12,616Interest-bearing balances
  • $285,337Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $456,189Net loans & leases
  • $8,844Loan loss allowance
  • $0Trading account assets
  • $25,589Bank premises and fixed assets
  • $23,769Other real estate owned
  • $321Goodwill and other intangibles
  • $866,995Life insurance assets
  • $45,694All other assets
  • $778,033Total liabilities and capital
  • $709,502Total liabilities
  • $615,941Total deposits
  • $709,502Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 16928.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $48,600Trading liabilities
  • $0Other borrowed funds
  • $3,003Subordinated debt
  • $88,962All other liabilities
  • $88,962Total equity capital
  • $88,962Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $82,617Surplus
  • $5,445Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $33,262Income earned, not collected on loans
  • $0Earning assets
  • $2,974Long-term assets (5+ years)
  • $754,142Average Assets, year-to-date
  • $261,847Average Assets, quarterly
  • $956,235Volatile liabilities
  • $911,460Insider loans
  • $571,992FHLB advances
  • $928,377Loans and leases held for sale
  • $17,019Unused loan commitments
  • $17,019Tier 1 (core) risk-based capital
  • $74,545Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $91,761Restructured Loans and leases
  • $2,417Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $33,089Total interest income
  • $10,141Total interest expense
  • $22,948Net interest income
  • $4,220Provision for loan and lease losses
  • $8,498Total noninterest income
  • $1,727Fiduciary activities
  • $3,607Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,164Additional noninterest income
  • $33,522Total noninterest expense
  • $14,565Salaries and employee benefits
  • $4,942Premises and equipment expense
  • $14,015Additional noninterest expense
  • -$6,296Pre-tax net operating income
  • $4,704Securities gains (losses)
  • $0Applicable income taxes
  • -$1,592Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,592Net income attributable to bank
  • $0Net charge-offs
  • -$1,592Cash dividends
  • $13,524Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.95%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 2.74%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 4.00%Noninterest expense to earning assets
  • -0.66%Net operating income to assets
  • -0.17%Return on assets (ROA)
  • -0.17%Pretax return on assets
  • -1.76%Return on equity (ROE)
  • -1.76%Retained earnings to average equity (YTD only)
  • 2.77%Net charge-offs to loans
  • 31.20%Credit loss provision to net charge-offs
  • -0.15%Efficiency ratio
  • 105,352Assets per employee
  • 3.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.90%Loss allowance to noncurrent loans
  • 26.59%Noncurrent assets plus other real estate owned to assets
  • 6.58%Noncurrent loans to loans
  • 7.15%Net loans and leases to deposits
  • 64.30%Net loans and leases to core deposits
  • 73.79%Equity capital to assets
  • 10.26%Core capital (leverage) ratio
  • 8.03%Tier 1 risk-based capital ratio
  • 13.03%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $956,235Average earning assets
  • $90,329Average equity
  • $837,804Average 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
  • $234,078Managed Assets
  • 1Number of Accounts
  • $192,435Personal trust and agency accounts
  • $146,134Employee benefit-defined contribution accounts
  • $1,219Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $26,944Corporate trust and agency accounts
  • $4Investment management agency accounts
  • $18,134Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 443Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $41,643Other retirement accounts
  • $1,734Corporate trust and agency accounts
  • $39,633Other fiduciary accounts
  • $271Fiduciary accounts held in foreign offices

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    33360313College Boulevard Branch4701 College Boulevard Suite 100, Leawood, KS 66211April 26, 2001Full Service Brick and Mortar
  • 18 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02999Citizens Bank And Trust Company515 Washington Street, Chillicothe, MO 64601January 01, 1889Full Service Brick and Mortar
    29220King City Branch101 North Ohio, King City, MO 64463January 01, 1880Full Service Brick and Mortar
    3203795Chillicothe Branch1210 Washington Street, Chillicothe, MO 64601Febuary 24, 1992Limited Service Facility
    410999Brookfield Branch322 South Main Street, Brookfield, MO 64628Febuary 16, 1950Full Service Brick and Mortar
    6203796Smithville BranchHighway 92 And 169, Smithville, MO 64089November 01, 1996Full Service Brick and Mortar
    75689Trenton Branch816 Main Street, Trenton, MO 64683August 14, 1915Full Service Brick and Mortar
    10203797Drive-Thru FacilityLocust And Clay Street, Chillicothe, MO 64601July 21, 1995Limited Service Facility
    1140850Macon Branch707 Briggs Drive, Macon, MO 63552January 01, 1906Full Service Brick and Mortar
    12264516Moberly Branch801 North Morley, Moberly, MO 65270January 01, 1906Full Service Brick and Mortar
    1347104Boonville Spring Branch400 East Spring Street, Boonville, MO 65233May 24, 1991Full Service Brick and Mortar
    1836389Maryville Branch105 North Main Street, Maryville, MO 64468June 18, 1987Full Service Brick and Mortar
    19190457Ravenwood Branch124 South Main Street, Ravenwood, MO 64479March 08, 1977Full Service Brick and Mortar
    21229742Burlington Junction Branch102 West Main, Burlington Junction, MO 64428April 02, 1973Full Service Brick and Mortar
    22260558St. Joseph Branch3727 Frederick Boulevard, St. Joseph, MO 64506Febuary 10, 1994Full Service Brick and Mortar
    23425125Barry Road Branch6945 Nw Barry Road, Kansas City, MO 64153January 09, 2004Full Service Brick and Mortar
    24429576Kearney Branch2041 Commerce Drive, Kearney, MO 64060October 01, 2003Full Service Brick and Mortar
    25454568St. Joseph North Branch5305 N Belt Highway, Saint Joseph, MO 64506November 28, 2005Full Service Brick and Mortar
    36487512Zona Rosa7288 Nw 87th Terrace, Suite 112, Kansas City, MO 64153November 24, 2008Full Service Brick and Mortar

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