Community Bank of Missouri in Richmond, Missouri (MO)



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Community Bank of Missouri routing number info

Table of contents:
Community Bank of Missouri
GeneralFDIC Certificate #: 57141
Status: Active
Federal Reserve ID: 3005097
Bank Holding Company (Regulatory Top Holder): Missouri Bancorp, Inc. (RSSDID: 3005248, Location: Richmond, MO)
Date Established: May 07, 2001
WWW: http://www.communitybankmissouri.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 358515
Numeric code: 21
Regulator: FDIC
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: May 07, 2001
Last Structure Change Effective Date: August 12, 2010
Last Structure Change Process Date: August 12, 2010
Last Data Update: August 12, 2010
Data Source Date: April 05, 2012
LocationAddress: 904 Walton Way, Richmond, MO 64085
County: Ray
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $49.5 mil
Equity capital: $5.7 mil
Deposits held in domestic offices: $37.6 mil
Return on assets (ROA): 0.46% ($0.2 mil)
Quarterly return on assets: 0.78% ($0.4 mil)
Return on Equity (ROE): 4.24% ($0.3 mil)
Quarterly return on equity: 6.82% ($0.4 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.51% ($252.4 mil)
Quarterly Pretax return on assets: 0.78% ($386.0 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$49,491
Cash and due from depository institutions$8,782
Interest-bearing balances$7,190
Securities$3,871
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$30,963
Loan loss allowance $700
Trading account assets$0
Bank premises and fixed assets$2,267
Other real estate owned$1,920
Goodwill and other intangibles$0
All other assets$1,688
Life insurance assets$49,491
Total liabilities and capital$43,801
Total liabilities$37,649
Total deposits$32,606
Interest-bearing deposits$37,649
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,000
Other borrowed funds $0
Subordinated debt $152
All other liabilities $5,690
Total equity capital$5,690
Total bank equity capital$5,690
Perpetual preferred stock$0
Common stock$1,500
Surplus$1,500
Undivided profits $2,690
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $399
Income earned, not collected on loans $200
Earning assets $0
Long-term assets (5+ years) $305
Average Assets, year-to-date $42,024
Average Assets, quarterly $17,229
Volatile liabilities $51,577
Insider loans $49,599
FHLB advances $35,687
Loans and leases held for sale $50,115
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,480
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,632
Derivatives$920
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,565
Total interest expense $581
Net interest income $1,984
Provision for loan and lease losses $218
Total noninterest income $297
Fiduciary activities $0
Service charges on deposit accounts $75
Trading account gains & fees $0
Additional noninterest income $222
Total noninterest expense $1,802
Salaries and employee benefits $828
Premises and equipment expense $294
Additional noninterest expense $680
Pre-tax net operating income $261
Securities gains (losses) $0
Applicable income taxes $26
Income before extraordinary items $235
Extraordinary gains - net $0
Net income attributable to bank $235
Net charge-offs $0
Cash dividends $235
Sale, conversion, retirement of capital stock, net $371
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.68%
Cost of funding earning assets 1.29%
Net interest margin 4.39%
Noninterest income to earning assets 0.66%
Noninterest expense to earning assets 3.99%
Net operating income to assets 0.46%
Return on assets (ROA) 0.46%
Pretax return on assets 0.51%
Return on equity (ROE) 4.24%
Retained earnings to average equity (YTD only) 4.24%
Net charge-offs to loans 1.01%
Credit loss provision to net charge-offs 58.76%
Efficiency ratio1.29%
Assets per employee$79,000
Cash dividends to net income (YTD only)3.54%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.21%
Noncurrent assets plus other real estate owned to assets 350.00%
Noncurrent loans to loans 4.28%
Net loans and leases to deposits0.63%
Net loans and leases to core deposits 82.24%
Equity capital to assets 93.25%
Core capital (leverage) ratio 11.50%
Tier 1 risk-based capital ratio 10.93%
Total risk-based capital ratio 15.36%
Memoranda
Average assets$16
Average earning assets$51,577
Average equity $5,538
Average loans $45,197
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2 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0358515Community Bank Of Missouri904 Walton Way, Richmond, MO 64085May 07, 2001Full Service Brick and Mortar
1442251Community Bank Of Missouri Branch1400 Hospital Drive, Excelsior Springs, MO 64024November 14, 2004Full Service Brick and Mortar
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