Community First Bank in Butler, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community First Bank in Butler, Missouri (MO)
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Community First Bank - Overview

  • General
  • FDIC Certificate #: 10595
    Status: Active
    Federal Reserve ID: 756848
    Bank Holding Company (Regulatory Top Holder): Community First Bancshares, Inc. (RSSDID: 2587411, Location: Butler, MO)
    Date Established: January 01, 1932
    WWW: http://www.communityfirstbank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6791
    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: January 01, 1934
    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: 915 West Fort Scott Street, Butler, MO 64730
    County: Bates
    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
    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: $158.6 mil
    Equity capital: $14.6 mil
    Deposits held in domestic offices: $135.2 mil
    Return on assets (ROA): 1.99% ($3.2 mil)
    Quarterly return on assets: 2.80% ($4.5 mil)
    Return on Equity (ROE): 22.20% ($3.3 mil)
    Quarterly return on equity: 30.05% ($4.5 mil)
    Net income: $3.1 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.99% ($3,155.7 mil)
    Quarterly Pretax return on assets: 2.80% ($4,440.2 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
  • 42Total employees (full-time equivalent)
  • $158,580Total assets
  • $7,885Cash and due from depository institutions
  • $487Interest-bearing balances
  • $12,281Securities
  • $15,235Federal funds sold & reverse repurchase agreements
  • $115,979Net loans & leases
  • $1,350Loan loss allowance
  • $0Trading account assets
  • $1,821Bank premises and fixed assets
  • $504Other real estate owned
  • $459Goodwill and other intangibles
  • $158,580Life insurance assets
  • $4,416All other assets
  • $143,990Total liabilities and capital
  • $135,158Total liabilities
  • $118,787Total deposits
  • $135,158Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,184Trading liabilities
  • $0Other borrowed funds
  • $648Subordinated debt
  • $14,590All other liabilities
  • $14,590Total equity capital
  • $14,590Total bank equity capital
  • $0Perpetual preferred stock
  • $314Common stock
  • $6,620Surplus
  • $7,656Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,848Income earned, not collected on loans
  • $0Earning assets
  • $1,546Long-term assets (5+ years)
  • $143,982Average Assets, year-to-date
  • $51,528Average Assets, quarterly
  • $154,313Volatile liabilities
  • $153,115Insider loans
  • $107,588FHLB advances
  • $152,648Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,633Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,461Restructured Loans and leases
  • $3,606Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,529Total interest income
  • $2,163Total interest expense
  • $5,366Net interest income
  • $280Provision for loan and lease losses
  • $1,348Total noninterest income
  • $0Fiduciary activities
  • $460Service charges on deposit accounts
  • $0Trading account gains & fees
  • $888Additional noninterest income
  • $3,520Total noninterest expense
  • $1,904Salaries and employee benefits
  • $458Premises and equipment expense
  • $1,158Additional noninterest expense
  • $2,914Pre-tax net operating income
  • $162Securities gains (losses)
  • $0Applicable income taxes
  • $3,076Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,076Net income attributable to bank
  • $0Net charge-offs
  • $3,076Cash dividends
  • $348Sale, conversion, retirement of capital stock, net
  • $1,860Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.50%Yield on earning assets
  • 1.58%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 2.57%Noninterest expense to earning assets
  • 1.89%Net operating income to assets
  • 1.99%Return on assets (ROA)
  • 1.99%Pretax return on assets
  • 22.20%Return on equity (ROE)
  • 8.78%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 80.46%Credit loss provision to net charge-offs
  • 9.18%Efficiency ratio
  • 51,579Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.47%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 19.71%Noncurrent assets plus other real estate owned to assets
  • 4.64%Noncurrent loans to loans
  • 5.84%Net loans and leases to deposits
  • 85.81%Net loans and leases to core deposits
  • 88.99%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 8.93%Tier 1 risk-based capital ratio
  • 12.67%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $154,313Average earning assets
  • $13,855Average equity
  • $136,791Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06791Community First Bank915 West Fort Scott Street, Butler, MO 64730January 01, 1932Full Service Brick and Mortar
    1275698Appleton City Branch214-16 West 4th Street, Appleton City, MO 64724January 01, 1913Full Service Brick and Mortar
    211741Cfb West Branch1109 W. Ft. Scott Street, Butler, MO 64730October 15, 1902Full Service Brick and Mortar

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