Citizens Community Bank in Pilot Grove, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Community Bank - Overview

  • General
  • FDIC Certificate #: 12694
    Status: Active
    Federal Reserve ID: 578554
    Bank Holding Company (Regulatory Top Holder): Bancorp Ii, Inc. (RSSDID: 1398731, Location: Kansas City, MO)
    Date Established: August 26, 1913
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13841
    FDIC's unique #: 8053
    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: December 01, 2011
    Last Structure Change Process Date: December 01, 2011
    Last Data Update: December 01, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Roe Street, Pilot Grove, MO 65276
    County: Cooper
    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
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $106.8 mil
    Equity capital: $9.1 mil
    Deposits held in domestic offices: $97.3 mil
    Return on assets (ROA): 0.77% ($0.8 mil)
    Quarterly return on assets: 0.76% ($0.8 mil)
    Return on Equity (ROE): 9.27% ($0.8 mil)
    Quarterly return on equity: 8.84% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.16% ($1,238.4 mil)
    Quarterly Pretax return on assets: 1.17% ($1,249.0 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
  • 32Total employees (full-time equivalent)
  • $106,756Total assets
  • $5,452Cash and due from depository institutions
  • $3,151Interest-bearing balances
  • $19,866Securities
  • $5,100Federal funds sold & reverse repurchase agreements
  • $68,424Net loans & leases
  • $699Loan loss allowance
  • $0Trading account assets
  • $3,536Bank premises and fixed assets
  • $932Other real estate owned
  • $0Goodwill and other intangibles
  • $106,756Life insurance assets
  • $3,446All other assets
  • $97,641Total liabilities and capital
  • $97,289Total liabilities
  • $77,848Total deposits
  • $97,289Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $352Subordinated debt
  • $9,115All other liabilities
  • $9,115Total equity capital
  • $9,115Total bank equity capital
  • $0Perpetual preferred stock
  • $190Common stock
  • $2,286Surplus
  • $6,639Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $684Income earned, not collected on loans
  • $0Earning assets
  • $930Long-term assets (5+ years)
  • $96,541Average Assets, year-to-date
  • $12,238Average Assets, quarterly
  • $105,717Volatile liabilities
  • $105,248Insider loans
  • $73,631FHLB advances
  • $104,708Loans and leases held for sale
  • $1,293Unused loan commitments
  • $1,293Tier 1 (core) risk-based capital
  • $9,123Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,259Restructured Loans and leases
  • $1,132Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,998Total interest income
  • $1,175Total interest expense
  • $3,823Net interest income
  • $300Provision for loan and lease losses
  • $606Total noninterest income
  • $0Fiduciary activities
  • $484Service charges on deposit accounts
  • $0Trading account gains & fees
  • $122Additional noninterest income
  • $2,904Total noninterest expense
  • $1,553Salaries and employee benefits
  • $126Premises and equipment expense
  • $1,225Additional noninterest expense
  • $1,225Pre-tax net operating income
  • $0Securities gains (losses)
  • $416Applicable income taxes
  • $809Income before extraordinary items
  • $0Extraordinary gains - net
  • $809Net income attributable to bank
  • $0Net charge-offs
  • $809Cash dividends
  • $748Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 9.27%Return on equity (ROE)
  • 9.27%Retained earnings to average equity (YTD only)
  • 1.03%Net charge-offs to loans
  • 40.11%Credit loss provision to net charge-offs
  • 2.04%Efficiency ratio
  • 65,568Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 102.19%Noncurrent assets plus other real estate owned to assets
  • 1.51%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 70.33%Net loans and leases to core deposits
  • 71.83%Equity capital to assets
  • 8.54%Core capital (leverage) ratio
  • 8.71%Tier 1 risk-based capital ratio
  • 12.39%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $105,717Average earning assets
  • $8,730Average equity
  • $96,344Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08053Citizens Community Bank100 Roe Street, Pilot Grove, MO 65276August 26, 1913Full Service Brick and Mortar
    1227800Citizens Community Bank (Boon Branch500 Jackson Rd, Boonville, MO 65233May 01, 1996Full Service Brick and Mortar
    3360596Blackwater Branch201 Main Street, Blackwater, MO 65322June 22, 2001Full Service Brick and Mortar

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