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

Citizens Bank of Newburg - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 53Total employees (full-time equivalent)
  • $171,196Total assets
  • $3,890Cash and due from depository institutions
  • $621Interest-bearing balances
  • $39,778Securities
  • $525Federal funds sold & reverse repurchase agreements
  • $116,381Net loans & leases
  • $1,970Loan loss allowance
  • $0Trading account assets
  • $4,398Bank premises and fixed assets
  • $3,126Other real estate owned
  • $0Goodwill and other intangibles
  • $171,196Life insurance assets
  • $3,098All other assets
  • $155,356Total liabilities and capital
  • $152,141Total liabilities
  • $143,254Total deposits
  • $152,141Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 2736.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $479Subordinated debt
  • $15,840All other liabilities
  • $15,840Total equity capital
  • $15,840Total bank equity capital
  • $0Perpetual preferred stock
  • $62Common stock
  • $1,670Surplus
  • $14,108Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,459Income earned, not collected on loans
  • $0Earning assets
  • $811Long-term assets (5+ years)
  • $157,305Average Assets, year-to-date
  • $45,522Average Assets, quarterly
  • $173,361Volatile liabilities
  • $171,886Insider loans
  • $126,639FHLB advances
  • $175,381Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,832Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,277Restructured Loans and leases
  • $290Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,312Total interest income
  • $3,219Total interest expense
  • $6,093Net interest income
  • $296Provision for loan and lease losses
  • $306Total noninterest income
  • $0Fiduciary activities
  • $145Service charges on deposit accounts
  • $0Trading account gains & fees
  • $161Additional noninterest income
  • $4,810Total noninterest expense
  • $2,897Salaries and employee benefits
  • $888Premises and equipment expense
  • $1,025Additional noninterest expense
  • $1,293Pre-tax net operating income
  • -$9Securities gains (losses)
  • $278Applicable income taxes
  • $1,006Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,006Net income attributable to bank
  • $0Net charge-offs
  • $1,006Cash dividends
  • $256Sale, conversion, retirement of capital stock, net
  • $465Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.85%Yield on earning assets
  • 2.02%Cost of funding earning assets
  • 3.83%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 6.61%Return on equity (ROE)
  • 3.55%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 115.63%Credit loss provision to net charge-offs
  • 6.21%Efficiency ratio
  • 75,168Assets per employee
  • 3.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.22%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 135.02%Noncurrent assets plus other real estate owned to assets
  • 2.68%Noncurrent loans to loans
  • 1.23%Net loans and leases to deposits
  • 76.50%Net loans and leases to core deposits
  • 82.19%Equity capital to assets
  • 9.25%Core capital (leverage) ratio
  • 9.03%Tier 1 risk-based capital ratio
  • 12.50%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $173,361Average earning assets
  • $15,218Average equity
  • $159,281Average loans

List of branches

  • 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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