Community Bank of Memphis in Memphis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Bank of Memphis - Overview

  • General
  • FDIC Certificate #: 35094
    Status: Active
    Federal Reserve ID: 2724766
    Bank Holding Company (Regulatory Top Holder): Clark County Bancshares, Inc. (RSSDID: 1097995, Location: Wyaconda, MO)
    Date Established: March 20, 1999
    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 #: 74672
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 20, 1999
    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: 112 East Madison, Memphis, MO 63555
    County: Scotland
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia 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: $38.8 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $33.9 mil
    Return on assets (ROA): 0.62% ($0.2 mil)
    Quarterly return on assets: 0.79% ($0.3 mil)
    Return on Equity (ROE): 5.54% ($0.3 mil)
    Quarterly return on equity: 6.75% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.98% ($380.6 mil)
    Quarterly Pretax return on assets: 1.24% ($481.6 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
  • 11Total employees (full-time equivalent)
  • $38,836Total assets
  • $5,384Cash and due from depository institutions
  • $1,454Interest-bearing balances
  • $11,824Securities
  • $163Federal funds sold & reverse repurchase agreements
  • $19,615Net loans & leases
  • $326Loan loss allowance
  • $0Trading account assets
  • $363Bank premises and fixed assets
  • $0Other real estate owned
  • $913Goodwill and other intangibles
  • $38,836Life insurance assets
  • $574All other assets
  • $34,309Total liabilities and capital
  • $33,907Total liabilities
  • $27,682Total deposits
  • $33,907Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $402Subordinated debt
  • $4,527All other liabilities
  • $4,527Total equity capital
  • $4,527Total bank equity capital
  • $0Perpetual preferred stock
  • $1,125Common stock
  • $1,931Surplus
  • $1,471Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1Income earned, not collected on loans
  • $0Earning assets
  • $417Long-term assets (5+ years)
  • $33,056Average Assets, year-to-date
  • $792Average Assets, quarterly
  • $38,575Volatile liabilities
  • $38,717Insider loans
  • $19,566FHLB advances
  • $37,733Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,402Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,779Restructured Loans and leases
  • $511Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,505Total interest income
  • $460Total interest expense
  • $1,045Net interest income
  • $30Provision for loan and lease losses
  • $106Total noninterest income
  • $0Fiduciary activities
  • $79Service charges on deposit accounts
  • $0Trading account gains & fees
  • $27Additional noninterest income
  • $743Total noninterest expense
  • $420Salaries and employee benefits
  • $129Premises and equipment expense
  • $194Additional noninterest expense
  • $378Pre-tax net operating income
  • $0Securities gains (losses)
  • $139Applicable income taxes
  • $239Income before extraordinary items
  • $0Extraordinary gains - net
  • $239Net income attributable to bank
  • $0Net charge-offs
  • $239Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 1.35%Cost of funding earning assets
  • 3.07%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.18%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 5.54%Return on equity (ROE)
  • 5.54%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 600.00%Credit loss provision to net charge-offs
  • 81.60%Efficiency ratio
  • 64,553Assets per employee
  • 3.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 32600.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 57.85%Net loans and leases to core deposits
  • 59.17%Equity capital to assets
  • 11.66%Core capital (leverage) ratio
  • 9.02%Tier 1 risk-based capital ratio
  • 17.39%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $38,575Average earning assets
  • $4,313Average equity
  • $34,012Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    074672Community Bank Of Memphis112 East Madison, Memphis, MO 63555March 20, 1999Full Service Brick and Mortar

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