Community State Bank in Shelbina, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community State Bank in Shelbina, Missouri (MO)
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Community State Bank - Overview

  • General
  • FDIC Certificate #: 22567
    Status: Active
    Federal Reserve ID: 367150
    Bank Holding Company (Regulatory Top Holder): Community State Bancshares, Inc (RSSDID: 2516961, Location: Shelbina, MO)
    Date Established: November 28, 1977
    WWW: http://www.commbankonline.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)
    OTS Docket #: 14736
    FDIC's unique #: 15742
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: November 28, 1977
    Last Structure Change Effective Date: October 07, 2009
    Last Structure Change Process Date: October 08, 2009
    Last Data Update: October 08, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 208 North Center Street, Shelbina, MO 63468
    County: Shelby
    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
  • Financial Summary
  • Total assets: $54.1 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $43.2 mil
    Return on assets (ROA): 0.87% ($0.5 mil)
    Quarterly return on assets: 0.83% ($0.4 mil)
    Return on Equity (ROE): 10.80% ($0.5 mil)
    Quarterly return on equity: 9.87% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.30% ($703.0 mil)
    Quarterly Pretax return on assets: 1.18% ($638.1 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
  • 13Total employees (full-time equivalent)
  • $54,080Total assets
  • $8,149Cash and due from depository institutions
  • $4,015Interest-bearing balances
  • $17,146Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $27,270Net loans & leases
  • $538Loan loss allowance
  • $0Trading account assets
  • $618Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $54,080Life insurance assets
  • $897All other assets
  • $49,554Total liabilities and capital
  • $43,206Total liabilities
  • $33,064Total deposits
  • $43,206Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,116Trading liabilities
  • $0Other borrowed funds
  • $232Subordinated debt
  • $4,526All other liabilities
  • $4,526Total equity capital
  • $4,526Total bank equity capital
  • $0Perpetual preferred stock
  • $254Common stock
  • $154Surplus
  • $4,118Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $72Income earned, not collected on loans
  • $0Earning assets
  • $387Long-term assets (5+ years)
  • $48,431Average Assets, year-to-date
  • $11,791Average Assets, quarterly
  • $53,799Volatile liabilities
  • $53,444Insider loans
  • $28,172FHLB advances
  • $55,109Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,462Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,710Restructured Loans and leases
  • $1,712Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,014Total interest income
  • $477Total interest expense
  • $1,537Net interest income
  • $75Provision for loan and lease losses
  • $344Total noninterest income
  • $0Fiduciary activities
  • $236Service charges on deposit accounts
  • $0Trading account gains & fees
  • $108Additional noninterest income
  • $1,106Total noninterest expense
  • $633Salaries and employee benefits
  • $144Premises and equipment expense
  • $329Additional noninterest expense
  • $700Pre-tax net operating income
  • -$1Securities gains (losses)
  • $229Applicable income taxes
  • $470Income before extraordinary items
  • $0Extraordinary gains - net
  • $470Net income attributable to bank
  • $0Net charge-offs
  • $470Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $131Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.05%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.09%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 2.23%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 10.80%Return on equity (ROE)
  • 7.79%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 576.92%Credit loss provision to net charge-offs
  • 59.62%Efficiency ratio
  • 58,799Assets per employee
  • 4.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.87%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 747.22%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 63.12%Net loans and leases to core deposits
  • 63.49%Equity capital to assets
  • 8.37%Core capital (leverage) ratio
  • 8.10%Tier 1 risk-based capital ratio
  • 15.84%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $53,799Average earning assets
  • $4,353Average equity
  • $49,697Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015742Community State Bank208 North Center Street, Shelbina, MO 63468November 28, 1977Full Service Brick and Mortar
    1254888Clarence Branch300 East Hazel, Clarence, MO 63437August 08, 1994Full Service Brick and Mortar

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