Community First Banking Company in West Plains, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community First Banking Company in West Plains, Missouri (MO)
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Community First Banking Company - Overview

  • General
  • FDIC Certificate #: 34610
    Status: Active
    Federal Reserve ID: 2615220
    Bank Holding Company (Regulatory Top Holder): Community Bancshares Of West Plains, Inc (RSSDID: 2615239, Location: West Plains, MO)
    Date Established: November 13, 1997
    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 #: 60833
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 13, 1997
    Last Structure Change Effective Date: December 29, 2009
    Last Structure Change Process Date: January 14, 2010
    Last Data Update: January 14, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1330 Southern Hills Center, West Plains, MO 65775
    County: Howell
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): West Plains, MO (#48460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Chartering Agent
    Institution Withdraws from FRS (Federal Reserve System)
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $132.3 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $116.1 mil
    Return on assets (ROA): 1.79% ($2.4 mil)
    Quarterly return on assets: 2.06% ($2.7 mil)
    Return on Equity (ROE): 16.71% ($2.5 mil)
    Quarterly return on equity: 18.21% ($2.7 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.79% ($2,368.6 mil)
    Quarterly Pretax return on assets: 2.06% ($2,725.8 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
  • 35Total employees (full-time equivalent)
  • $132,322Total assets
  • $6,186Cash and due from depository institutions
  • $4,152Interest-bearing balances
  • $15,224Securities
  • $2,696Federal funds sold & reverse repurchase agreements
  • $101,379Net loans & leases
  • $1,896Loan loss allowance
  • $0Trading account assets
  • $2,240Bank premises and fixed assets
  • $315Other real estate owned
  • $0Goodwill and other intangibles
  • $132,322Life insurance assets
  • $4,282All other assets
  • $117,296Total liabilities and capital
  • $116,127Total liabilities
  • $103,823Total deposits
  • $116,127Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $750Trading liabilities
  • $0Other borrowed funds
  • $419Subordinated debt
  • $15,026All other liabilities
  • $15,026Total equity capital
  • $15,026Total bank equity capital
  • $0Perpetual preferred stock
  • $2,250Common stock
  • $4,324Surplus
  • $8,452Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $92Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,762Income earned, not collected on loans
  • $0Earning assets
  • $900Long-term assets (5+ years)
  • $123,451Average Assets, year-to-date
  • $18,171Average Assets, quarterly
  • $131,120Volatile liabilities
  • $131,209Insider loans
  • $97,467FHLB advances
  • $129,320Loans and leases held for sale
  • $2,514Unused loan commitments
  • $2,514Tier 1 (core) risk-based capital
  • $14,467Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,752Restructured Loans and leases
  • $4,236Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,487Total interest income
  • $1,302Total interest expense
  • $5,185Net interest income
  • $450Provision for loan and lease losses
  • $1,217Total noninterest income
  • $0Fiduciary activities
  • $547Service charges on deposit accounts
  • $0Trading account gains & fees
  • $670Additional noninterest income
  • $3,679Total noninterest expense
  • $2,098Salaries and employee benefits
  • $404Premises and equipment expense
  • $1,177Additional noninterest expense
  • $2,273Pre-tax net operating income
  • $75Securities gains (losses)
  • $6Applicable income taxes
  • $2,342Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,342Net income attributable to bank
  • $0Net charge-offs
  • $2,342Cash dividends
  • $339Sale, conversion, retirement of capital stock, net
  • $923Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.32%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.25%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 1.73%Net operating income to assets
  • 1.79%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 16.71%Return on equity (ROE)
  • 10.12%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 132.74%Credit loss provision to net charge-offs
  • 8.03%Efficiency ratio
  • 57,466Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.41%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 107.60%Noncurrent assets plus other real estate owned to assets
  • 1.57%Noncurrent loans to loans
  • 1.71%Net loans and leases to deposits
  • 87.30%Net loans and leases to core deposits
  • 104.31%Equity capital to assets
  • 11.36%Core capital (leverage) ratio
  • 11.19%Tier 1 risk-based capital ratio
  • 14.84%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $131,120Average earning assets
  • $14,016Average equity
  • $121,899Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    060833Community First Banking Company1330 Southern Hills Center, West Plains, MO 65775November 13, 1997Full Service Brick and Mortar
    1290734West Plains Branch1220 Porter Wagoner, West Plains, MO 65775May 26, 1999Full Service Brick and Mortar
    3452334Mountain Grove Branch603 N Main, Mountain Grove, MO 65711May 24, 2006Full Service Brick and Mortar

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