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

This bank is inactive as of October 16, 2010

  • Citizens National Bank of Springfield in Springfield, Missouri (MO)
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Citizens National Bank of Springfield - Overview

  • General
  • FDIC Certificate #: 27465
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Empire Bank (#17633)
    Federal Reserve ID: 1367858
    Date Established: March 07, 1989
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 13023
    FDIC's unique #: 39989
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: March 07, 1989
    Last Structure Change Effective Date: October 16, 2010
    Last Structure Change Process Date: October 18, 2010
    Last Data Update: October 18, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1465 East Sunshine St, Springfield, MO 65804
    County: Greene
    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
    Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
    Core Based Statistical Area (CBSA): Springfield, MO (#44180)
    CBSA Metro Statistical Area: Springfield, MO (#44180)
  • Financial Summary
  • Total assets: $238.7 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, 2009)

  • Dollar figures in thousands
  • 81Total employees (full-time equivalent)
  • $298,100Total assets
  • $5,856Cash and due from depository institutions
  • $120Interest-bearing balances
  • $52,022Securities
  • $29,313Federal funds sold & reverse repurchase agreements
  • $183,321Net loans & leases
  • $7,127Loan loss allowance
  • $0Trading account assets
  • $4,723Bank premises and fixed assets
  • $14,378Other real estate owned
  • $0Goodwill and other intangibles
  • $4,726Life insurance assets
  • $8,487All other assets
  • $298,100Total liabilities and capital
  • $280,777Total liabilities
  • $239,804Total deposits
  • $214,696Interest-bearing deposits
  • $239,804Deposits held in domestic offices
  • 96.42%% insured (estimated)
  • $4,043Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $31,000Other borrowed funds
  • $3,000Subordinated debt
  • $2,930All other liabilities
  • $17,323Total equity capital
  • $17,323Total bank equity capital
  • $17,323Perpetual preferred stock
  • $0Common stock
  • $1,100Surplus
  • $6,003Undivided profits
  • Memoranda
  • $10,220Noncurrent loans and leases
  • $20,845Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $14,340Earning assets
  • $78Long-term assets (5+ years)
  • $1,328Average Assets, year-to-date
  • $264,776Average Assets, quarterly
  • $27,037Volatile liabilities
  • $332,966Insider loans
  • $307,384FHLB advances
  • $77,637Loans and leases held for sale
  • $1,473Unused loan commitments
  • $31,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20,845Total unused commitments
  • $0Restructured Loans and leases
  • $5,604Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $15,664Total interest income
  • $8,203Total interest expense
  • $7,461Net interest income
  • $7,314Provision for loan and lease losses
  • $969Total noninterest income
  • $0Fiduciary activities
  • $654Service charges on deposit accounts
  • $0Trading account gains & fees
  • $315Additional noninterest income
  • $9,069Total noninterest expense
  • $4,582Salaries and employee benefits
  • $743Premises and equipment expense
  • $3,744Additional noninterest expense
  • -$7,953Pre-tax net operating income
  • $0Securities gains (losses)
  • $55Applicable income taxes
  • -$8,008Income before extraordinary items
  • $0Extraordinary gains - net
  • -$8,008Net income attributable to bank
  • $0Net charge-offs
  • -$8,008Cash dividends
  • $5,197Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 2.68%Cost of funding earning assets
  • 2.44%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • -2.41%Net operating income to assets
  • -2.41%Return on assets (ROA)
  • -2.39%Pretax return on assets
  • -38.98%Return on equity (ROE)
  • -38.98%Retained earnings to average equity (YTD only)
  • 2.14%Net charge-offs to loans
  • 140.74%Credit loss provision to net charge-offs
  • -0.12%Efficiency ratio
  • 107,580Assets per employee
  • 3.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.74%Loss allowance to noncurrent loans
  • 49.70%Noncurrent assets plus other real estate owned to assets
  • 9.63%Noncurrent loans to loans
  • 7.53%Net loans and leases to deposits
  • 76.45%Net loans and leases to core deposits
  • 97.66%Equity capital to assets
  • 5.81%Core capital (leverage) ratio
  • 5.32%Tier 1 risk-based capital ratio
  • 8.04%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $332,966Average earning assets
  • $20,544Average equity
  • $306,005Average loans

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