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

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

  • General
  • FDIC Certificate #: 22867
    Status: Active
    Federal Reserve ID: 716851
    Bank Holding Company (Regulatory Top Holder): Lolyn Financial Corporation (RSSDID: 1974630, Location: Raymore, MO)
    Date Established: May 15, 1979
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 15979
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 15, 1979
    Last Structure Change Effective Date: January 15, 2010
    Last Structure Change Process Date: January 29, 2010
    Last Data Update: January 29, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 801 West Foxwood Drive, Raymore, MO 64083
    County: Cass
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $163.3 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $148.4 mil
    Return on assets (ROA): 1.19% ($1.9 mil)
    Quarterly return on assets: -0.36% (-$0.6 mil)
    Return on Equity (ROE): 13.28% ($1.9 mil)
    Quarterly return on equity: -4.01% (-$0.6 mil)
    Net income: $1.9 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 1.19% ($1,943.4 mil)
    Quarterly Pretax return on assets: -0.36% (-$587.9 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
  • 50Total employees (full-time equivalent)
  • $163,310Total assets
  • $6,228Cash and due from depository institutions
  • $3,132Interest-bearing balances
  • $38,609Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $108,861Net loans & leases
  • $1,045Loan loss allowance
  • $0Trading account assets
  • $5,210Bank premises and fixed assets
  • $280Other real estate owned
  • $998Goodwill and other intangibles
  • $163,310Life insurance assets
  • $3,124All other assets
  • $149,032Total liabilities and capital
  • $148,361Total liabilities
  • $123,744Total deposits
  • $148,361Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $671Subordinated debt
  • $14,278All other liabilities
  • $14,278Total equity capital
  • $14,278Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $5,325Surplus
  • $8,053Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,496Income earned, not collected on loans
  • $0Earning assets
  • $560Long-term assets (5+ years)
  • $150,602Average Assets, year-to-date
  • $62,531Average Assets, quarterly
  • $160,664Volatile liabilities
  • $164,246Insider loans
  • $124,482FHLB advances
  • $165,361Loans and leases held for sale
  • $1,392Unused loan commitments
  • $1,392Tier 1 (core) risk-based capital
  • $13,221Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,766Restructured Loans and leases
  • $2,255Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,373Total interest income
  • $1,170Total interest expense
  • $5,203Net interest income
  • $1,163Provision for loan and lease losses
  • $4,228Total noninterest income
  • $3,165Fiduciary activities
  • $728Service charges on deposit accounts
  • $0Trading account gains & fees
  • $335Additional noninterest income
  • $6,377Total noninterest expense
  • $2,948Salaries and employee benefits
  • $1,079Premises and equipment expense
  • $2,350Additional noninterest expense
  • $1,891Pre-tax net operating income
  • $28Securities gains (losses)
  • $6Applicable income taxes
  • $1,913Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,913Net income attributable to bank
  • $0Net charge-offs
  • $1,913Cash dividends
  • $870Sale, conversion, retirement of capital stock, net
  • $1,359Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.58%Net interest margin
  • 2.91%Noninterest income to earning assets
  • 4.38%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 13.28%Return on equity (ROE)
  • 3.85%Retained earnings to average equity (YTD only)
  • 0.80%Net charge-offs to loans
  • 133.68%Credit loss provision to net charge-offs
  • 3.51%Efficiency ratio
  • 66,865Assets per employee
  • 3.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.04%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 69.85%Noncurrent assets plus other real estate owned to assets
  • 1.09%Noncurrent loans to loans
  • 1.36%Net loans and leases to deposits
  • 73.38%Net loans and leases to core deposits
  • 78.50%Equity capital to assets
  • 8.74%Core capital (leverage) ratio
  • 8.00%Tier 1 risk-based capital ratio
  • 10.62%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $160,664Average earning assets
  • $14,401Average equity
  • $145,440Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $332,124Managed Assets
  • 1Number of Accounts
  • $150,062Personal trust and agency accounts
  • $149,787Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $275Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 158Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $182,062Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015979Community Bank Of Raymore801 West Foxwood Drive, Raymore, MO 64083May 15, 1979Full Service Brick and Mortar
    1255510Peculiar Branch300 Sr C Highway, Peculiar, MO 64078June 08, 1998Full Service Brick and Mortar
    37758Harrisonville Branch1503 North State Route 291 Highway, Harrisonville, MO 64701January 01, 1902Full Service Brick and Mortar

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