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


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

  • General
  • FDIC Certificate #: 14604
    Status: Active
    Federal Reserve ID: 527057
    Bank Holding Company (Regulatory Top Holder): Russellville Bancorp, Inc. (RSSDID: 3658028, Location: Russellville, MO)
    Date Established: July 19, 1934
    WWW: http://www.communitybankofrussellville.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 #: 9129
    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: July 28, 1934
    Last Structure Change Effective Date: October 18, 2007
    Last Structure Change Process Date: October 30, 2007
    Last Data Update: October 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 13218 Railroad Avenue, Russellville, MO 65074
    County: Cole
    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
    Core Based Statistical Area (CBSA): Jefferson City, MO (#27620)
    CBSA Metro Statistical Area: Jefferson City, MO (#27620)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $86.6 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $76.6 mil
    Return on assets (ROA): 1.22% ($1.1 mil)
    Quarterly return on assets: 1.26% ($1.1 mil)
    Return on Equity (ROE): 10.97% ($1.1 mil)
    Quarterly return on equity: 10.90% ($1.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.22% ($1,056.6 mil)
    Quarterly Pretax return on assets: 1.26% ($1,091.2 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
  • 19Total employees (full-time equivalent)
  • $86,605Total assets
  • $1,739Cash and due from depository institutions
  • $54Interest-bearing balances
  • $33,627Securities
  • $46Federal funds sold & reverse repurchase agreements
  • $48,252Net loans & leases
  • $654Loan loss allowance
  • $0Trading account assets
  • $1,043Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $86,604Life insurance assets
  • $1,898All other assets
  • $76,790Total liabilities and capital
  • $76,599Total liabilities
  • $69,242Total deposits
  • $76,599Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $191Subordinated debt
  • $9,814All other liabilities
  • $9,814Total equity capital
  • $9,814Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $300Surplus
  • $9,214Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $277Income earned, not collected on loans
  • $0Earning assets
  • $537Long-term assets (5+ years)
  • $81,979Average Assets, year-to-date
  • $19,783Average Assets, quarterly
  • $85,451Volatile liabilities
  • $86,629Insider loans
  • $46,780FHLB advances
  • $86,052Loans and leases held for sale
  • $1,015Unused loan commitments
  • $507Tier 1 (core) risk-based capital
  • $9,419Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $508Total unused commitments
  • $3,219Restructured Loans and leases
  • $215Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,690Total interest income
  • $950Total interest expense
  • $2,740Net interest income
  • $121Provision for loan and lease losses
  • $189Total noninterest income
  • $0Fiduciary activities
  • $85Service charges on deposit accounts
  • $0Trading account gains & fees
  • $104Additional noninterest income
  • $1,884Total noninterest expense
  • $1,108Salaries and employee benefits
  • $162Premises and equipment expense
  • $614Additional noninterest expense
  • $924Pre-tax net operating income
  • $116Securities gains (losses)
  • $0Applicable income taxes
  • $1,040Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,040Net income attributable to bank
  • $0Net charge-offs
  • $1,040Cash dividends
  • $42Sale, conversion, retirement of capital stock, net
  • $676Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.35%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 10.97%Return on equity (ROE)
  • 3.84%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 288.10%Credit loss provision to net charge-offs
  • 24.88%Efficiency ratio
  • 64,322Assets per employee
  • 4.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.00%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 236.10%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 62.99%Net loans and leases to core deposits
  • 66.16%Equity capital to assets
  • 11.33%Core capital (leverage) ratio
  • 10.95%Tier 1 risk-based capital ratio
  • 20.13%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $85,451Average earning assets
  • $9,480Average equity
  • $80,005Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09129Community Bank Of Russellville13218 Railroad Avenue, Russellville, MO 65074July 19, 1934Full Service Brick and Mortar
    1473710Community Bank Of Russellville And E14100 Redfield Drive, Eugene, MO 65032March 03, 2008Full Service Retail

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