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

  • Community Bank of Missouri in Richmond, Missouri (MO)
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Community Bank of Missouri - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total 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
  • 14Total employees (full-time equivalent)
  • $49,491Total assets
  • $8,782Cash and due from depository institutions
  • $7,190Interest-bearing balances
  • $3,871Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $30,963Net loans & leases
  • $700Loan loss allowance
  • $0Trading account assets
  • $2,267Bank premises and fixed assets
  • $1,920Other real estate owned
  • $0Goodwill and other intangibles
  • $49,491Life insurance assets
  • $1,688All other assets
  • $43,801Total liabilities and capital
  • $37,649Total liabilities
  • $32,606Total deposits
  • $37,649Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $152Subordinated debt
  • $5,690All other liabilities
  • $5,690Total equity capital
  • $5,690Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $1,500Surplus
  • $2,690Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $399Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $200Income earned, not collected on loans
  • $0Earning assets
  • $305Long-term assets (5+ years)
  • $42,024Average Assets, year-to-date
  • $17,229Average Assets, quarterly
  • $51,577Volatile liabilities
  • $49,599Insider loans
  • $35,687FHLB advances
  • $50,115Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,480Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,632Restructured Loans and leases
  • $920Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,565Total interest income
  • $581Total interest expense
  • $1,984Net interest income
  • $218Provision for loan and lease losses
  • $297Total noninterest income
  • $0Fiduciary activities
  • $75Service charges on deposit accounts
  • $0Trading account gains & fees
  • $222Additional noninterest income
  • $1,802Total noninterest expense
  • $828Salaries and employee benefits
  • $294Premises and equipment expense
  • $680Additional noninterest expense
  • $261Pre-tax net operating income
  • $0Securities gains (losses)
  • $26Applicable income taxes
  • $235Income before extraordinary items
  • $0Extraordinary gains - net
  • $235Net income attributable to bank
  • $0Net charge-offs
  • $235Cash dividends
  • $371Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.68%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 4.39%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 3.99%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 4.24%Return on equity (ROE)
  • 4.24%Retained earnings to average equity (YTD only)
  • 1.01%Net charge-offs to loans
  • 58.76%Credit loss provision to net charge-offs
  • 1.29%Efficiency ratio
  • 79,000Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.21%Loss allowance to noncurrent loans
  • 350.00%Noncurrent assets plus other real estate owned to assets
  • 4.28%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 82.24%Net loans and leases to core deposits
  • 93.25%Equity capital to assets
  • 11.50%Core capital (leverage) ratio
  • 10.93%Tier 1 risk-based capital ratio
  • 15.36%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $51,577Average earning assets
  • $5,538Average equity
  • $45,197Average loans

List of branches

  • 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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