City Bank and Trust Company of Moberly in Moberly, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

City Bank and Trust Company of Moberly - Overview

  • General
  • FDIC Certificate #: 15142
    Status: Active
    Federal Reserve ID: 997650
    Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
    Date Established: May 16, 1935
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 9512
    Numeric code: 13
    Regulator: FED
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: May 16, 1935
    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: 500 West Coates Street, Moberly, MO 65270
    County: Randolph
    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
    Core Based Statistical Area (CBSA): Moberly, MO (#33620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $152.1 mil
    Equity capital: $12.7 mil
    Deposits held in domestic offices: $115.8 mil
    Return on assets (ROA): 0.75% ($1.1 mil)
    Quarterly return on assets: 1.02% ($1.6 mil)
    Return on Equity (ROE): 8.95% ($1.2 mil)
    Quarterly return on equity: 11.75% ($1.5 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.10% ($1,672.6 mil)
    Quarterly Pretax return on assets: 1.51% ($2,296.0 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
  • 30Total employees (full-time equivalent)
  • $152,051Total assets
  • $50,476Cash and due from depository institutions
  • $45,105Interest-bearing balances
  • $35,737Securities
  • $4,971Federal funds sold & reverse repurchase agreements
  • $57,557Net loans & leases
  • $1,284Loan loss allowance
  • $0Trading account assets
  • $1,418Bank premises and fixed assets
  • $344Other real estate owned
  • $124Goodwill and other intangibles
  • $152,051Life insurance assets
  • $1,424All other assets
  • $139,364Total liabilities and capital
  • $115,804Total liabilities
  • $90,791Total deposits
  • $115,804Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 23169.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $391Subordinated debt
  • $12,687All other liabilities
  • $12,687Total equity capital
  • $12,687Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $10,687Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $218Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $325Income earned, not collected on loans
  • $0Earning assets
  • $468Long-term assets (5+ years)
  • $143,370Average Assets, year-to-date
  • $13,218Average Assets, quarterly
  • $149,572Volatile liabilities
  • $145,814Insider loans
  • $70,216FHLB advances
  • $139,726Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,342Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,593Restructured Loans and leases
  • $2,344Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,536Total interest income
  • $661Total interest expense
  • $3,875Net interest income
  • $41Provision for loan and lease losses
  • $1,468Total noninterest income
  • $0Fiduciary activities
  • $589Service charges on deposit accounts
  • $0Trading account gains & fees
  • $879Additional noninterest income
  • $3,646Total noninterest expense
  • $1,560Salaries and employee benefits
  • $347Premises and equipment expense
  • $1,739Additional noninterest expense
  • $1,656Pre-tax net operating income
  • -$4Securities gains (losses)
  • $525Applicable income taxes
  • $1,127Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,127Net income attributable to bank
  • $0Net charge-offs
  • $1,127Cash dividends
  • $41Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.16%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 2.70%Net interest margin
  • 1.02%Noninterest income to earning assets
  • 2.54%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.10%Pretax return on assets
  • 8.95%Return on equity (ROE)
  • 0.21%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 41.39%Efficiency ratio
  • 68,239Assets per employee
  • 5.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 97.60%Loss allowance to loans
  • 2.18%Loss allowance to noncurrent loans
  • 395.08%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.55%Net loans and leases to deposits
  • 49.70%Net loans and leases to core deposits
  • 50.56%Equity capital to assets
  • 8.34%Core capital (leverage) ratio
  • 8.83%Tier 1 risk-based capital ratio
  • 17.58%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $149,572Average earning assets
  • $12,595Average equity
  • $143,698Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09512City Bank And Trust Company Of Mober500 West Coates Street, Moberly, MO 65270May 16, 1935Full Service Brick and Mortar
    2233294Motor Bank FacilityU.S. Highways 24 And 63b, Moberly, MO 65270April 01, 1974Limited Service Facility
    48992Main Street Facility113 South Main Street, Huntsville, MO 65259January 01, 1900Full Service Brick and Mortar
    5521599Web Office Branch2116 Nelwood Drive, Columbia, MO 65202July 01, 2010Full Service Cyber

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