Commercial Bank of Oak Grove, Mo. in Oak Grove, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Commercial Bank of Oak Grove, Mo. - Overview

  • General
  • FDIC Certificate #: 9811
    Status: Active
    Federal Reserve ID: 829452
    Bank Holding Company (Regulatory Top Holder): Country Agencies & Investments, Inc. (RSSDID: 1053339, Location: Odessa, MO)
    Date Established: January 01, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 6283
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 12, 2010
    Last Structure Change Process Date: August 12, 2010
    Last Data Update: August 12, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1114 Broadway, Oak Grove, MO 64075
    County: Jackson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $88.0 mil
    Equity capital: $11.9 mil
    Deposits held in domestic offices: $75.9 mil
    Return on assets (ROA): -1.15% (-$1.0 mil)
    Quarterly return on assets: -0.06% (-$0.1 mil)
    Return on Equity (ROE): -8.19% (-$1.0 mil)
    Quarterly return on equity: -0.44% (-$0.1 mil)
    Net income: -$1.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -2.00% (-$1,759.1 mil)
    Quarterly Pretax return on assets: -0.20% (-$175.9 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
  • 19Total employees (full-time equivalent)
  • $87,955Total assets
  • $9,141Cash and due from depository institutions
  • $7,310Interest-bearing balances
  • $38,119Securities
  • $4,924Federal funds sold & reverse repurchase agreements
  • $31,151Net loans & leases
  • $1,784Loan loss allowance
  • $0Trading account assets
  • $216Bank premises and fixed assets
  • $2,049Other real estate owned
  • $0Goodwill and other intangibles
  • $87,955Life insurance assets
  • $2,355All other assets
  • $76,088Total liabilities and capital
  • $75,890Total liabilities
  • $72,601Total deposits
  • $75,890Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $198Subordinated debt
  • $11,867All other liabilities
  • $11,867Total equity capital
  • $11,867Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $600Surplus
  • $10,967Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $609Income earned, not collected on loans
  • $0Earning assets
  • $352Long-term assets (5+ years)
  • $81,504Average Assets, year-to-date
  • $19,989Average Assets, quarterly
  • $86,637Volatile liabilities
  • $87,636Insider loans
  • $39,355FHLB advances
  • $82,861Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,861Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $224Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,580Total interest income
  • $776Total interest expense
  • $1,804Net interest income
  • $1,080Provision for loan and lease losses
  • -$431Total noninterest income
  • $0Fiduciary activities
  • $71Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$502Additional noninterest income
  • $2,026Total noninterest expense
  • $890Salaries and employee benefits
  • $174Premises and equipment expense
  • $962Additional noninterest expense
  • -$1,733Pre-tax net operating income
  • $0Securities gains (losses)
  • -$737Applicable income taxes
  • -$996Income before extraordinary items
  • $0Extraordinary gains - net
  • -$996Net income attributable to bank
  • $0Net charge-offs
  • -$996Cash dividends
  • $2,227Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.19%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 2.23%Net interest margin
  • -0.53%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • -1.15%Net operating income to assets
  • -1.15%Return on assets (ROA)
  • -2.00%Pretax return on assets
  • -8.19%Return on equity (ROE)
  • -8.19%Retained earnings to average equity (YTD only)
  • 6.26%Net charge-offs to loans
  • 48.50%Credit loss provision to net charge-offs
  • -0.29%Efficiency ratio
  • 147,560Assets per employee
  • 4.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.42%Loss allowance to noncurrent loans
  • 292.94%Noncurrent assets plus other real estate owned to assets
  • 3.02%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 41.05%Net loans and leases to core deposits
  • 42.89%Equity capital to assets
  • 13.49%Core capital (leverage) ratio
  • 11.90%Tier 1 risk-based capital ratio
  • 25.06%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $86,637Average earning assets
  • $12,163Average equity
  • $80,807Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06283Commercial Bank Of Oak Grove, Mo.1114 Broadway, Oak Grove, MO 64075January 01, 1907Full Service Brick and Mortar

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