Concordia Bank of Concordia, Missouri in Concordia, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Concordia Bank of Concordia, Missouri in Concordia, Missouri (MO)
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Concordia Bank of Concordia, Missouri - Overview

  • General
  • FDIC Certificate #: 13788
    Status: Active
    Federal Reserve ID: 164957
    Bank Holding Company (Regulatory Top Holder): Concordia Banc-Management, Inc. (RSSDID: 1054523, Location: Concordia, MO)
    Date Established: May 01, 1932
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 8620
    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: 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: 547 Main Street, Concordia, MO 64020
    County: Lafayette
    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
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    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: $56.6 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $49.0 mil
    Return on assets (ROA): 1.25% ($0.7 mil)
    Quarterly return on assets: 1.14% ($0.6 mil)
    Return on Equity (ROE): 12.55% ($0.6 mil)
    Quarterly return on equity: 11.88% ($0.6 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.25% ($707.3 mil)
    Quarterly Pretax return on assets: 1.14% ($645.1 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
  • 20Total employees (full-time equivalent)
  • $56,586Total assets
  • $1,574Cash and due from depository institutions
  • $27Interest-bearing balances
  • $4,500Securities
  • $1,033Federal funds sold & reverse repurchase agreements
  • $46,270Net loans & leases
  • $316Loan loss allowance
  • $0Trading account assets
  • $1,925Bank premises and fixed assets
  • $533Other real estate owned
  • $0Goodwill and other intangibles
  • $56,586Life insurance assets
  • $751All other assets
  • $51,098Total liabilities and capital
  • $48,999Total liabilities
  • $41,571Total deposits
  • $48,999Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $99Subordinated debt
  • $5,488All other liabilities
  • $5,488Total equity capital
  • $5,488Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $400Surplus
  • $4,888Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12Income earned, not collected on loans
  • $0Earning assets
  • $311Long-term assets (5+ years)
  • $51,830Average Assets, year-to-date
  • $14,305Average Assets, quarterly
  • $54,563Volatile liabilities
  • $57,020Insider loans
  • $43,954FHLB advances
  • $57,287Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,485Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,346Restructured Loans and leases
  • $1,564Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,808Total interest income
  • $371Total interest expense
  • $2,437Net interest income
  • $246Provision for loan and lease losses
  • $396Total noninterest income
  • $0Fiduciary activities
  • $191Service charges on deposit accounts
  • $0Trading account gains & fees
  • $205Additional noninterest income
  • $1,906Total noninterest expense
  • $976Salaries and employee benefits
  • $235Premises and equipment expense
  • $695Additional noninterest expense
  • $681Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $681Income before extraordinary items
  • $0Extraordinary gains - net
  • $681Net income attributable to bank
  • $0Net charge-offs
  • $681Cash dividends
  • $304Sale, conversion, retirement of capital stock, net
  • $605Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 4.88%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 3.82%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 12.55%Return on equity (ROE)
  • 1.40%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 80.92%Credit loss provision to net charge-offs
  • 3.05%Efficiency ratio
  • 67,279Assets per employee
  • 2.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.84%Loss allowance to loans
  • 0.68%Loss allowance to noncurrent loans
  • 2633.33%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 94.43%Net loans and leases to core deposits
  • 98.54%Equity capital to assets
  • 9.70%Core capital (leverage) ratio
  • 9.57%Tier 1 risk-based capital ratio
  • 12.48%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $54,563Average earning assets
  • $5,427Average equity
  • $49,920Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08620Concordia Bank Of Concordia, Missouri547 Main Street, Concordia, MO 64020May 01, 1932Full Service Brick and Mortar
    2230193Drive Facility302 West Williams Street, Concordia, MO 64020May 16, 1983Limited Service Facility
    4359892Laurie Branch504 North Main Street, Laurie, MO 65038March 12, 2001Full Service Brick and Mortar
    5456269Concordia Bank1212 W Us Highway 40, Odessa, MO 64076October 23, 2006Full Service Retail

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