Community State Bank of Missouri in Bowling Green, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community State Bank of Missouri in Bowling Green, Missouri (MO)
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Community State Bank of Missouri - Overview

  • General
  • FDIC Certificate #: 1936
    Status: Active
    Federal Reserve ID: 825548
    Date Established: January 26, 1887
    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 #: 11336
    FDIC's unique #: 1301
    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: 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: 117 West Church Street, Bowling Green, MO 63334
    County: Pike
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    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: $204.9 mil
    Equity capital: $26.8 mil
    Deposits held in domestic offices: $176.8 mil
    Return on assets (ROA): 1.08% ($2.2 mil)
    Quarterly return on assets: 0.97% ($2.0 mil)
    Return on Equity (ROE): 8.66% ($2.3 mil)
    Quarterly return on equity: 7.23% ($2.0 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.11% ($2,274.3 mil)
    Quarterly Pretax return on assets: 1.00% ($2,048.9 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
  • 45Total employees (full-time equivalent)
  • $204,889Total assets
  • $12,949Cash and due from depository institutions
  • $8,868Interest-bearing balances
  • $77,624Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $104,537Net loans & leases
  • $1,405Loan loss allowance
  • $0Trading account assets
  • $1,908Bank premises and fixed assets
  • $588Other real estate owned
  • $0Goodwill and other intangibles
  • $204,889Life insurance assets
  • $7,283All other assets
  • $178,062Total liabilities and capital
  • $176,805Total liabilities
  • $136,544Total deposits
  • $176,805Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5Trading liabilities
  • $0Other borrowed funds
  • $1,252Subordinated debt
  • $26,827All other liabilities
  • $26,827Total equity capital
  • $26,827Total bank equity capital
  • $0Perpetual preferred stock
  • $440Common stock
  • $660Surplus
  • $25,727Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $75Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $993Income earned, not collected on loans
  • $0Earning assets
  • $1,415Long-term assets (5+ years)
  • $191,029Average Assets, year-to-date
  • $78,790Average Assets, quarterly
  • $200,794Volatile liabilities
  • $199,372Insider loans
  • $157,108FHLB advances
  • $196,949Loans and leases held for sale
  • $4,274Unused loan commitments
  • $4,274Tier 1 (core) risk-based capital
  • $24,915Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,611Restructured Loans and leases
  • $896Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,386Total interest income
  • $1,806Total interest expense
  • $6,580Net interest income
  • $669Provision for loan and lease losses
  • $1,121Total noninterest income
  • $0Fiduciary activities
  • $809Service charges on deposit accounts
  • $0Trading account gains & fees
  • $312Additional noninterest income
  • $4,797Total noninterest expense
  • $2,573Salaries and employee benefits
  • $410Premises and equipment expense
  • $1,814Additional noninterest expense
  • $2,235Pre-tax net operating income
  • $0Securities gains (losses)
  • $61Applicable income taxes
  • $2,174Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,174Net income attributable to bank
  • $0Net charge-offs
  • $2,174Cash dividends
  • $611Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.57%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 8.66%Return on equity (ROE)
  • 8.66%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 109.49%Credit loss provision to net charge-offs
  • 4.75%Efficiency ratio
  • 62,291Assets per employee
  • 4.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 141.49%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 0.94%Net loans and leases to deposits
  • 59.13%Net loans and leases to core deposits
  • 63.15%Equity capital to assets
  • 13.09%Core capital (leverage) ratio
  • 12.65%Tier 1 risk-based capital ratio
  • 15.86%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $200,794Average earning assets
  • $25,113Average equity
  • $186,790Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01301Community State Bank Of Missouri117 West Church Street, Bowling Green, MO 63334January 26, 1887Full Service Brick and Mortar
    1190441Troy Branch101 Community Bank Plaza Branch, Troy, MO 63379Febuary 02, 1998Full Service Brick and Mortar

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