County Bank in Brunswick, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


County Bank - Overview

  • General
  • FDIC Certificate #: 12220
    Status: Active
    Federal Reserve ID: 1016848
    Bank Holding Company (Regulatory Top Holder): Chariton County Bancshares, Inc. (RSSDID: 1067877, Location: Moberly, MO)
    Date Established: April 02, 1877
    WWW: http://www.countybankonline.com
    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 #: 7765
    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 16, 2011
    Last Structure Change Process Date: March 16, 2011
    Last Data Update: March 16, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 116 West Broadway, Brunswick, MO 65236
    County: Chariton
    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: $76.9 mil
    Equity capital: $5.9 mil
    Deposits held in domestic offices: $69.3 mil
    Return on assets (ROA): 1.07% ($0.8 mil)
    Quarterly return on assets: 1.24% ($1.0 mil)
    Return on Equity (ROE): 14.25% ($0.9 mil)
    Quarterly return on equity: 16.09% ($1.0 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.07% ($823.1 mil)
    Quarterly Pretax return on assets: 1.24% ($953.9 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
  • 20Total employees (full-time equivalent)
  • $76,929Total assets
  • $3,917Cash and due from depository institutions
  • $1,700Interest-bearing balances
  • $3,959Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,440Net loans & leases
  • $765Loan loss allowance
  • $0Trading account assets
  • $2,822Bank premises and fixed assets
  • $399Other real estate owned
  • $0Goodwill and other intangibles
  • $76,929Life insurance assets
  • $1,392All other assets
  • $71,020Total liabilities and capital
  • $69,304Total liabilities
  • $58,820Total deposits
  • $69,304Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,589Trading liabilities
  • $0Other borrowed funds
  • $127Subordinated debt
  • $5,909All other liabilities
  • $5,909Total equity capital
  • $5,909Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $2,850Surplus
  • $2,809Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $368Income earned, not collected on loans
  • $368Earning assets
  • $568Long-term assets (5+ years)
  • $70,099Average Assets, year-to-date
  • $14,069Average Assets, quarterly
  • $78,139Volatile liabilities
  • $77,045Insider loans
  • $62,185FHLB advances
  • $78,213Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,855Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,990Restructured Loans and leases
  • $1,861Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,523Total interest income
  • $730Total interest expense
  • $2,793Net interest income
  • $149Provision for loan and lease losses
  • $569Total noninterest income
  • $0Fiduciary activities
  • $223Service charges on deposit accounts
  • $0Trading account gains & fees
  • $346Additional noninterest income
  • $2,376Total noninterest expense
  • $1,140Salaries and employee benefits
  • $576Premises and equipment expense
  • $660Additional noninterest expense
  • $837Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $837Income before extraordinary items
  • $0Extraordinary gains - net
  • $837Net income attributable to bank
  • $0Net charge-offs
  • $837Cash dividends
  • $90Sale, conversion, retirement of capital stock, net
  • $832Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 14.25%Return on equity (ROE)
  • 0.09%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 165.56%Credit loss provision to net charge-offs
  • 10.96%Efficiency ratio
  • 70,672Assets per employee
  • 3.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 99.40%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 207.88%Noncurrent assets plus other real estate owned to assets
  • 1.00%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 92.98%Net loans and leases to core deposits
  • 94.84%Equity capital to assets
  • 7.68%Core capital (leverage) ratio
  • 7.49%Tier 1 risk-based capital ratio
  • 9.42%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $78,139Average earning assets
  • $5,875Average equity
  • $71,493Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07765County Bank116 West Broadway, Brunswick, MO 65236April 02, 1877Full Service Brick and Mortar
    1226699Mendon BranchMain Street, Mendon, MO 64660November 28, 1977Full Service Brick and Mortar
    3430075Moberly Branch1615 North Morley Street, Moberly, MO 65270May 27, 2004Full Service Brick and Mortar

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