Citizens Bank of Eldon in Eldon, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank of Eldon - Overview

  • General
  • FDIC Certificate #: 1956
    Status: Active
    Federal Reserve ID: 954251
    Bank Holding Company (Regulatory Top Holder): Citizens Bancshares Of Eldon, Missouri, Inc. (RSSDID: 1141900, Location: Eldon, MO)
    Date Established: January 20, 1905
    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 #: 1315
    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: No
    Asset Concentration Hierarchy: Agricultural 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: 110 North Maple Street, Eldon, MO 65026
    County: Miller
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $117.1 mil
    Equity capital: $17.5 mil
    Deposits held in domestic offices: $98.3 mil
    Return on assets (ROA): 0.79% ($0.9 mil)
    Quarterly return on assets: 1.02% ($1.2 mil)
    Return on Equity (ROE): 5.27% ($0.9 mil)
    Quarterly return on equity: 6.82% ($1.2 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.09% ($1,276.0 mil)
    Quarterly Pretax return on assets: 1.44% ($1,685.7 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
  • 37Total employees (full-time equivalent)
  • $117,061Total assets
  • $6,579Cash and due from depository institutions
  • $1,634Interest-bearing balances
  • $46,481Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $59,758Net loans & leases
  • $644Loan loss allowance
  • $0Trading account assets
  • $1,516Bank premises and fixed assets
  • $126Other real estate owned
  • $0Goodwill and other intangibles
  • $117,061Life insurance assets
  • $2,601All other assets
  • $99,586Total liabilities and capital
  • $98,291Total liabilities
  • $78,692Total deposits
  • $98,291Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,295Subordinated debt
  • $17,475All other liabilities
  • $17,475Total equity capital
  • $17,475Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $1,260Surplus
  • $15,975Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $910Income earned, not collected on loans
  • $0Earning assets
  • $566Long-term assets (5+ years)
  • $107,873Average Assets, year-to-date
  • $2,973Average Assets, quarterly
  • $115,504Volatile liabilities
  • $116,532Insider loans
  • $63,727FHLB advances
  • $116,109Loans and leases held for sale
  • $1,256Unused loan commitments
  • $1,256Tier 1 (core) risk-based capital
  • $17,297Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,400Restructured Loans and leases
  • $166Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,180Total interest income
  • $585Total interest expense
  • $3,595Net interest income
  • $48Provision for loan and lease losses
  • $898Total noninterest income
  • $0Fiduciary activities
  • $638Service charges on deposit accounts
  • $0Trading account gains & fees
  • $260Additional noninterest income
  • $3,191Total noninterest expense
  • $2,089Salaries and employee benefits
  • $360Premises and equipment expense
  • $742Additional noninterest expense
  • $1,254Pre-tax net operating income
  • $0Securities gains (losses)
  • $344Applicable income taxes
  • $910Income before extraordinary items
  • $0Extraordinary gains - net
  • $910Net income attributable to bank
  • $0Net charge-offs
  • $910Cash dividends
  • $159Sale, conversion, retirement of capital stock, net
  • $538Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.88%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 5.27%Return on equity (ROE)
  • 2.15%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 30.19%Credit loss provision to net charge-offs
  • 8.19%Efficiency ratio
  • 71,022Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.12%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 70.77%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 1.51%Net loans and leases to deposits
  • 60.80%Net loans and leases to core deposits
  • 62.59%Equity capital to assets
  • 14.93%Core capital (leverage) ratio
  • 14.90%Tier 1 risk-based capital ratio
  • 27.14%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $115,504Average earning assets
  • $17,281Average equity
  • $107,664Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01315Citizens Bank Of Eldon110 North Maple Street, Eldon, MO 65026January 20, 1905Full Service Brick and Mortar
    1190470South FacilityBusiness Route 54 South, Eldon, MO 65026April 20, 1987Full Service Brick and Mortar
    2269271Versailles Branch700 West Newton Street, Versailles, MO 65084April 27, 1990Full Service Brick and Mortar

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