Citizens Bank of Newburg in Rolla, Missouri (MO)

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Citizens Bank of Newburg routing number info

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Citizens Bank of Newburg
GeneralFDIC Certificate #: 16126
Status: Active
Federal Reserve ID: 44750
Bank Holding Company (Regulatory Top Holder): Newburg Insurance Agency, Inc. (RSSDID: 1118621, Location: Rolla, MO)
Date Established: Febuary 28, 1944
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 10341
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: Febuary 28, 1944
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
LocationAddress: 1515 Martin Springs Drive, Rolla, MO 65401
County: Phelps
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Rolla, MO (#40620)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $171.2 mil
Equity capital: $15.8 mil
Deposits held in domestic offices: $152.1 mil
Return on assets (ROA): 0.58% ($1.0 mil)
Quarterly return on assets: 0.76% ($1.3 mil)
Return on Equity (ROE): 6.61% ($1.1 mil)
Quarterly return on equity: 8.30% ($1.3 mil)
Net income: $1.0 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.74% ($1,266.9 mil)
Quarterly Pretax return on assets: 0.82% ($1,403.8 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)
Total employees (full-time equivalent)53
Total assets$171,196
Cash and due from depository institutions$3,890
Interest-bearing balances$621
Federal funds sold & reverse repurchase agreements$525
Net loans & leases$116,381
Loan loss allowance $1,970
Trading account assets$0
Bank premises and fixed assets$4,398
Other real estate owned$3,126
Goodwill and other intangibles$0
All other assets$3,098
Life insurance assets$171,196
Total liabilities and capital$155,356
Total liabilities$152,141
Total deposits$143,254
Interest-bearing deposits$152,141
Deposits held in domestic offices$78
% insured (estimated)2736.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $479
All other liabilities $15,840
Total equity capital$15,840
Total bank equity capital$15,840
Perpetual preferred stock$0
Common stock$62
Undivided profits $14,108
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,459
Earning assets $0
Long-term assets (5+ years) $811
Average Assets, year-to-date $157,305
Average Assets, quarterly $45,522
Volatile liabilities $173,361
Insider loans $171,886
FHLB advances $126,639
Loans and leases held for sale $175,381
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $15,832
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,277
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,312
Total interest expense $3,219
Net interest income $6,093
Provision for loan and lease losses $296
Total noninterest income $306
Fiduciary activities $0
Service charges on deposit accounts $145
Trading account gains & fees $0
Additional noninterest income $161
Total noninterest expense $4,810
Salaries and employee benefits $2,897
Premises and equipment expense $888
Additional noninterest expense $1,025
Pre-tax net operating income $1,293
Securities gains (losses) -$9
Applicable income taxes $278
Income before extraordinary items $1,006
Extraordinary gains - net $0
Net income attributable to bank $1,006
Net charge-offs $0
Cash dividends $1,006
Sale, conversion, retirement of capital stock, net $256
Net operating income $465
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.85%
Cost of funding earning assets 2.02%
Net interest margin 3.83%
Noninterest income to earning assets 0.19%
Noninterest expense to earning assets 3.02%
Net operating income to assets 0.58%
Return on assets (ROA) 0.58%
Pretax return on assets 0.74%
Return on equity (ROE) 6.61%
Retained earnings to average equity (YTD only) 3.55%
Net charge-offs to loans 0.22%
Credit loss provision to net charge-offs 115.63%
Efficiency ratio6.21%
Assets per employee$75,168
Cash dividends to net income (YTD only)3.23%
Condition Ratios (%)
Loss allowance to loans 46.22%
Loss allowance to noncurrent loans 1.66%
Noncurrent assets plus other real estate owned to assets 135.02%
Noncurrent loans to loans 2.68%
Net loans and leases to deposits1.23%
Net loans and leases to core deposits 76.50%
Equity capital to assets 82.19%
Core capital (leverage) ratio 9.25%
Tier 1 risk-based capital ratio 9.03%
Total risk-based capital ratio 12.50%
Average assets$14
Average earning assets$173,361
Average equity $15,218
Average loans $159,281
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3 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010341Citizens Bank Of Newburg1515 Martin Springs Drive, Rolla, MO 65401Febuary 28, 1944Full Service Brick and Mortar
1237342Doolittle FacilityInterstate 44 And Route T, Doolittle, MO 65401March 09, 1987Full Service Brick and Mortar
3237344St. Robert Branch907 East Old Route 66, St. Robert, MO 65583September 08, 1998Full Service Brick and Mortar
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