Community Bank and Trust in Neosho, Missouri (MO), KS
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank and Trust - Overview

  • General
  • FDIC Certificate #: 13068
    Status: Active
    Federal Reserve ID: 957757
    Bank Holding Company (Regulatory Top Holder): Community Bancshares Employee Stock Ownership Plan (RSSDID: 2072793, Location: Neosho, MO)
    Date Established: January 01, 1884
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 14 (Domestic: 14, Interstate: Yes)
    OTS Docket #: 9859
    FDIC's unique #: 8261
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 100 South Wood Street, Neosho, MO 64850
    County: Newton
    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): Joplin, MO (#3710)
    Core Based Statistical Area (CBSA): Joplin, MO (#27900)
    CBSA Metro Statistical Area: Joplin, MO (#27900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $294.0 mil
    Equity capital: $25.4 mil
    Deposits held in domestic offices: $252.7 mil
    Return on assets (ROA): 1.54% ($4.5 mil)
    Quarterly return on assets: 1.81% ($5.3 mil)
    Return on Equity (ROE): 16.62% ($4.2 mil)
    Quarterly return on equity: 19.78% ($4.9 mil)
    Net income: $4.4 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 1.55% ($4,557.2 mil)
    Quarterly Pretax return on assets: 1.81% ($5,321.6 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
  • 143Total employees (full-time equivalent)
  • $294,011Total assets
  • $73,014Cash and due from depository institutions
  • $66,278Interest-bearing balances
  • $73,665Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $136,332Net loans & leases
  • $1,668Loan loss allowance
  • $0Trading account assets
  • $6,288Bank premises and fixed assets
  • $30Other real estate owned
  • $2,210Goodwill and other intangibles
  • $294,011Life insurance assets
  • $2,472All other assets
  • $268,608Total liabilities and capital
  • $252,706Total liabilities
  • $201,598Total deposits
  • $252,706Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 15045.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $857Subordinated debt
  • $25,403All other liabilities
  • $25,403Total equity capital
  • $25,403Total bank equity capital
  • $0Perpetual preferred stock
  • $490Common stock
  • $11,154Surplus
  • $13,759Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,135Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,004Income earned, not collected on loans
  • $0Earning assets
  • $730Long-term assets (5+ years)
  • $276,275Average Assets, year-to-date
  • $76,466Average Assets, quarterly
  • $287,612Volatile liabilities
  • $297,611Insider loans
  • $180,826FHLB advances
  • $293,880Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,835Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,990Restructured Loans and leases
  • $1,573Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,346Total interest income
  • $1,390Total interest expense
  • $9,956Net interest income
  • $402Provision for loan and lease losses
  • $6,100Total noninterest income
  • $413Fiduciary activities
  • $3,859Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,828Additional noninterest income
  • $11,554Total noninterest expense
  • $6,700Salaries and employee benefits
  • $1,598Premises and equipment expense
  • $3,256Additional noninterest expense
  • $4,100Pre-tax net operating income
  • $355Securities gains (losses)
  • $14Applicable income taxes
  • $4,441Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,441Net income attributable to bank
  • $0Net charge-offs
  • $4,441Cash dividends
  • $239Sale, conversion, retirement of capital stock, net
  • $4,485Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 3.69%Net interest margin
  • 2.26%Noninterest income to earning assets
  • 4.28%Noninterest expense to earning assets
  • 1.42%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 1.55%Pretax return on assets
  • 16.62%Return on equity (ROE)
  • -0.16%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 168.20%Credit loss provision to net charge-offs
  • 18.84%Efficiency ratio
  • 71,961Assets per employee
  • 2.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.99%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 166.14%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.73%Net loans and leases to deposits
  • 53.95%Net loans and leases to core deposits
  • 54.40%Equity capital to assets
  • 8.64%Core capital (leverage) ratio
  • 7.43%Tier 1 risk-based capital ratio
  • 12.08%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $287,612Average earning assets
  • $26,719Average equity
  • $270,121Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $58,183Managed Assets
  • 1Number of Accounts
  • $47,374Personal trust and agency accounts
  • $37,407Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $477Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $9,490Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 119Number of Accounts
  • $0Personal trust and agency accounts
  • $477Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $10,809Other retirement accounts
  • $0Corporate trust and agency accounts
  • $2,650Other fiduciary accounts
  • $8,159Fiduciary accounts held in foreign offices

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1216298Branch 60215 East Seventh Street, Galena, KS 66739November 24, 1980Full Service Brick and Mortar
    13256093Branch 656972 Se Nighthawk Lane, Riverton, KS 66770Febuary 05, 1991Full Service Brick and Mortar
  • 12 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08261Community Bank And Trust100 South Wood Street, Neosho, MO 64850January 01, 1884Full Service Brick and Mortar
    2228846Branch 02528 South Neosho Boulevard, Neosho, MO 64850January 15, 1979Full Service Brick and Mortar
    3228847Branch 035230 South Range Line Road, Joplin, MO 64802July 07, 1981Full Service Brick and Mortar
    4228848Branch 043105 Lusk Drive, Neosho, MO 64850October 15, 1988Full Service Brick and Mortar
    510412Branch 20119 Main Street, Anderson, MO 64831December 01, 1944Full Service Brick and Mortar
    710645Branch 10202 Main Street, Granby, MO 64844July 01, 1946Full Service Brick and Mortar
    98869Branch 301102 Cherokee, Seneca, MO 64865October 11, 1928Full Service Brick and Mortar
    10228849Branch 053131 East 7th Street, Joplin, MO 64802January 29, 1996Full Service Brick and Mortar
    1114168Branch 40107 Market Street, Diamond, MO 64840September 01, 1904Full Service Brick and Mortar
    14218740Branch 755570 N. Main Street Road, Joplin, MO 64801June 06, 1983Full Service Brick and Mortar
    15218741Branch 70101 South Main, Carl Junction, MO 64834January 02, 1992Full Service Brick and Mortar
    16228850Branch 06414 East 32nd Street, Joplin, MO 64801November 01, 1999Full Service Brick and Mortar

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