Community Bank of El Dorado Springs in El Dorado Springs, Missouri (MO)



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Community Bank of El Dorado Springs routing number info

Table of contents:
Community Bank of El Dorado Springs
GeneralFDIC Certificate #: 23551
Status: Active
Federal Reserve ID: 766052
Date Established: October 01, 1981
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 #: 16492
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: October 01, 1981
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
LocationAddress: Highway 54 And Main Street, El Dorado Springs, MO 64744
County: Cedar
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $96.0 mil
Equity capital: $13.1 mil
Deposits held in domestic offices: $82.8 mil
Return on assets (ROA): 2.01% ($1.9 mil)
Quarterly return on assets: 1.62% ($1.6 mil)
Return on Equity (ROE): 15.99% ($2.1 mil)
Quarterly return on equity: 11.97% ($1.6 mil)
Net income: $1.9 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 2.01% ($1,928.7 mil)
Quarterly Pretax return on assets: 1.62% ($1,554.5 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)
Total employees (full-time equivalent)14
Total assets$95,956
Cash and due from depository institutions$9,394
Interest-bearing balances$8,178
Securities$45,530
Federal funds sold & reverse repurchase agreements$886
Net loans & leases$38,341
Loan loss allowance $1,016
Trading account assets$0
Bank premises and fixed assets$100
Other real estate owned$755
Goodwill and other intangibles$0
All other assets$950
Life insurance assets$95,956
Total liabilities and capital$82,856
Total liabilities$82,774
Total deposits$75,435
Interest-bearing deposits$82,774
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $82
All other liabilities $13,100
Total equity capital$13,100
Total bank equity capital$13,100
Perpetual preferred stock$0
Common stock$300
Surplus$400
Undivided profits $12,400
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $936
Earning assets $0
Long-term assets (5+ years) $669
Average Assets, year-to-date $92,935
Average Assets, quarterly $27,823
Volatile liabilities $96,022
Insider loans $96,326
FHLB advances $55,751
Loans and leases held for sale $95,549
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,866
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,890
Derivatives$402
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,952
Total interest expense $846
Net interest income $3,106
Provision for loan and lease losses $120
Total noninterest income $333
Fiduciary activities $0
Service charges on deposit accounts $263
Trading account gains & fees $0
Additional noninterest income $70
Total noninterest expense $1,385
Salaries and employee benefits $675
Premises and equipment expense $79
Additional noninterest expense $631
Pre-tax net operating income $1,934
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,934
Extraordinary gains - net $0
Net income attributable to bank $1,934
Net charge-offs $0
Cash dividends $1,934
Sale, conversion, retirement of capital stock, net -$6
Net operating income $800
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.26%
Cost of funding earning assets 0.91%
Net interest margin 3.35%
Noninterest income to earning assets 0.36%
Noninterest expense to earning assets 1.49%
Net operating income to assets 2.01%
Return on assets (ROA) 2.01%
Pretax return on assets 2.01%
Return on equity (ROE) 15.99%
Retained earnings to average equity (YTD only) 9.38%
Net charge-offs to loans -0.02%
Credit loss provision to net charge-offs -2000.00%
Efficiency ratio0.00%
Assets per employee$40,273
Cash dividends to net income (YTD only)6.85%
Condition Ratios (%)
Loss allowance to loans 41.37%
Loss allowance to noncurrent loans 2.58%
Noncurrent assets plus other real estate owned to assets 108.55%
Noncurrent loans to loans 1.76%
Net loans and leases to deposits2.38%
Net loans and leases to core deposits 46.32%
Equity capital to assets 46.82%
Core capital (leverage) ratio 13.65%
Tier 1 risk-based capital ratio 12.42%
Total risk-based capital ratio 21.28%
Memoranda
Average assets$23
Average earning assets$96,022
Average equity $12,095
Average loans $92,804
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1 Missouri Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
016492Community Bank Of El Dorado SpringsHighway 54 And Main Street, El Dorado Springs, MO 64744October 01, 1981Full Service Brick and Mortar
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