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

Show street view No street view available for this location

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
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
Undivided profits $12,400
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
Back to page top, Back to table top

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
Back to page top, Back to table top

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%
Average assets$23
Average earning assets$96,022
Average equity $12,095
Average loans $92,804
Back to page top, Back to table top

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
Back to page top

User Contributions:

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Community Bank of El Dorado Springs.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.