Community National Bank in Monett, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community National Bank - Overview

  • General
  • FDIC Certificate #: 57395
    Status: Active
    Federal Reserve ID: 3121308
    Date Established: September 05, 2002
    WWW: http://www.cnbbanking.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 363129
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 05, 2002
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 901 East Highway 60, Monett, MO 65708
    County: Barry
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $85.1 mil
    Equity capital: $8.2 mil
    Deposits held in domestic offices: $76.7 mil
    Return on assets (ROA): 1.44% ($1.2 mil)
    Quarterly return on assets: 1.28% ($1.1 mil)
    Return on Equity (ROE): 13.41% ($1.1 mil)
    Quarterly return on equity: 12.32% ($1.0 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.44% ($1,225.0 mil)
    Quarterly Pretax return on assets: 1.28% ($1,088.9 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
  • 27Total employees (full-time equivalent)
  • $85,067Total assets
  • $4,850Cash and due from depository institutions
  • $2,040Interest-bearing balances
  • $5,091Securities
  • $15,054Federal funds sold & reverse repurchase agreements
  • $54,650Net loans & leases
  • $853Loan loss allowance
  • $0Trading account assets
  • $2,373Bank premises and fixed assets
  • $325Other real estate owned
  • $537Goodwill and other intangibles
  • $85,067Life insurance assets
  • $2,187All other assets
  • $76,896Total liabilities and capital
  • $76,731Total liabilities
  • $62,950Total deposits
  • $76,731Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $165Subordinated debt
  • $8,171All other liabilities
  • $8,171Total equity capital
  • $8,171Total bank equity capital
  • $0Perpetual preferred stock
  • $640Common stock
  • $5,697Surplus
  • $1,834Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $496Income earned, not collected on loans
  • $0Earning assets
  • $276Long-term assets (5+ years)
  • $76,835Average Assets, year-to-date
  • $5,056Average Assets, quarterly
  • $75,266Volatile liabilities
  • $79,866Insider loans
  • $57,732FHLB advances
  • $75,971Loans and leases held for sale
  • $1,260Unused loan commitments
  • $1,260Tier 1 (core) risk-based capital
  • $7,624Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,404Restructured Loans and leases
  • $2,307Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,313Total interest income
  • $386Total interest expense
  • $2,927Net interest income
  • $103Provision for loan and lease losses
  • $856Total noninterest income
  • $0Fiduciary activities
  • $494Service charges on deposit accounts
  • $0Trading account gains & fees
  • $362Additional noninterest income
  • $2,599Total noninterest expense
  • $1,408Salaries and employee benefits
  • $302Premises and equipment expense
  • $889Additional noninterest expense
  • $1,081Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,081Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,081Net income attributable to bank
  • $0Net charge-offs
  • $1,081Cash dividends
  • $55Sale, conversion, retirement of capital stock, net
  • $647Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.85%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 4.29%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 3.81%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 13.41%Return on equity (ROE)
  • 5.38%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 187.27%Credit loss provision to net charge-offs
  • 21.53%Efficiency ratio
  • 68,200Assets per employee
  • 3.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.85%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 171.98%Noncurrent assets plus other real estate owned to assets
  • 0.97%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 71.22%Net loans and leases to core deposits
  • 73.77%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 10.04%Tier 1 risk-based capital ratio
  • 13.21%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $75,266Average earning assets
  • $8,061Average equity
  • $68,260Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0363129Community National Bank901 East Highway 60, Monett, MO 65708September 05, 2002Full Service Brick and Mortar
    1366198Messenger Service901 Highway 60, Monett, MO 65708September 05, 2002Limited Service Messenger
    214579Aurora Branch444 South Rinker Street, Aurora, MO 65605May 24, 1973Full Service Brick and Mortar

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