Community Bank of El Dorado Springs in El Dorado Springs, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank of El Dorado Springs - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 14Total employees (full-time equivalent)
  • $95,956Total assets
  • $9,394Cash and due from depository institutions
  • $8,178Interest-bearing balances
  • $45,530Securities
  • $886Federal funds sold & reverse repurchase agreements
  • $38,341Net loans & leases
  • $1,016Loan loss allowance
  • $0Trading account assets
  • $100Bank premises and fixed assets
  • $755Other real estate owned
  • $0Goodwill and other intangibles
  • $95,956Life insurance assets
  • $950All other assets
  • $82,856Total liabilities and capital
  • $82,774Total liabilities
  • $75,435Total deposits
  • $82,774Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $82Subordinated debt
  • $13,100All other liabilities
  • $13,100Total equity capital
  • $13,100Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $400Surplus
  • $12,400Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $936Income earned, not collected on loans
  • $0Earning assets
  • $669Long-term assets (5+ years)
  • $92,935Average Assets, year-to-date
  • $27,823Average Assets, quarterly
  • $96,022Volatile liabilities
  • $96,326Insider loans
  • $55,751FHLB advances
  • $95,549Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,866Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,890Restructured Loans and leases
  • $402Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,952Total interest income
  • $846Total interest expense
  • $3,106Net interest income
  • $120Provision for loan and lease losses
  • $333Total noninterest income
  • $0Fiduciary activities
  • $263Service charges on deposit accounts
  • $0Trading account gains & fees
  • $70Additional noninterest income
  • $1,385Total noninterest expense
  • $675Salaries and employee benefits
  • $79Premises and equipment expense
  • $631Additional noninterest expense
  • $1,934Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,934Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,934Net income attributable to bank
  • $0Net charge-offs
  • $1,934Cash dividends
  • -$6Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 1.49%Noninterest expense to earning assets
  • 2.01%Net operating income to assets
  • 2.01%Return on assets (ROA)
  • 2.01%Pretax return on assets
  • 15.99%Return on equity (ROE)
  • 9.38%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -2000.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 40,273Assets per employee
  • 6.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.37%Loss allowance to loans
  • 2.58%Loss allowance to noncurrent loans
  • 108.55%Noncurrent assets plus other real estate owned to assets
  • 1.76%Noncurrent loans to loans
  • 2.38%Net loans and leases to deposits
  • 46.32%Net loans and leases to core deposits
  • 46.82%Equity capital to assets
  • 13.65%Core capital (leverage) ratio
  • 12.42%Tier 1 risk-based capital ratio
  • 21.28%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $96,022Average earning assets
  • $12,095Average equity
  • $92,804Average loans

List of branches

  • 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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