KCB Bank in city_name, state_name - Detailed Financial Reports, Location

KCB Bank in Kearney, Missouri (MO), KS
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KCB Bank routing number info

KCB Bank - Overview

General
FDIC Certificate #: 9793
Status: Active
Federal Reserve ID: 701950
Bank Holding Company (Regulatory Top Holder): Bancshares Of Missouri, Inc. (RSSDID: 1059706, Location: Kearney, MO)
Date Established: August 17, 1887
WWW: http://www.kcbbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Domestic: 5, Interstate: Yes)
OTS Docket #: 14201
FDIC's unique #: 6272
Numeric code: 13
Regulator: FED
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 23, 2006
Last Structure Change Process Date: October 19, 2006
Last Data Update: October 19, 2006
Data Source Date: April 05, 2012
Location
Address: 950 West 92 Highway, Kearney, MO 64060
County: Clay
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
Name Change
Financial Summary
Total assets: $172.5 mil
Equity capital: $19.3 mil
Deposits held in domestic offices: $144.9 mil
Return on assets (ROA): 1.46% ($2.5 mil)
Quarterly return on assets: 1.33% ($2.3 mil)
Return on Equity (ROE): 13.27% ($2.5 mil)
Quarterly return on equity: 11.73% ($2.2 mil)
Net income: $2.4 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.46% ($2,518.8 mil)
Quarterly Pretax return on assets: 1.33% ($2,294.5 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
43Total employees (full-time equivalent)
$172,521Total assets
$20,350Cash and due from depository institutions
$17,440Interest-bearing balances
$46,530Securities
$550Federal funds sold & reverse repurchase agreements
$94,515Net loans & leases
$2,139Loan loss allowance
$0Trading account assets
$7,024Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$172,520Life insurance assets
$3,552All other assets
$153,256Total liabilities and capital
$144,852Total liabilities
$105,444Total deposits
$144,852Interest-bearing deposits
$75Deposits held in domestic offices
1337.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,250Trading liabilities
$0Other borrowed funds
$817Subordinated debt
$19,264All other liabilities
$19,264Total equity capital
$19,264Total bank equity capital
$0Perpetual preferred stock
$180Common stock
$5,506Surplus
$13,578Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,401Income earned, not collected on loans
$0Earning assets
$706Long-term assets (5+ years)
$159,035Average Assets, year-to-date
$39,057Average Assets, quarterly
$161,264Volatile liabilities
$167,981Insider loans
$104,923FHLB advances
$162,450Loans and leases held for sale
$1,254Unused loan commitments
$1,254Tier 1 (core) risk-based capital
$17,913Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,223Restructured Loans and leases
$211Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,705Total interest income
$1,145Total interest expense
$6,560Net interest income
$134Provision for loan and lease losses
$940Total noninterest income
$0Fiduciary activities
$322Service charges on deposit accounts
$0Trading account gains & fees
$618Additional noninterest income
$5,009Total noninterest expense
$2,884Salaries and employee benefits
$720Premises and equipment expense
$1,405Additional noninterest expense
$2,357Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$2,357Income before extraordinary items
$0Extraordinary gains - net
$2,357Net income attributable to bank
$0Net charge-offs
$2,357Cash dividends
$212Sale, conversion, retirement of capital stock, net
$285Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.21%Yield on earning assets
0.77%Cost of funding earning assets
4.44%Net interest margin
0.64%Noninterest income to earning assets
3.39%Noninterest expense to earning assets
1.46%Net operating income to assets
1.46%Return on assets (ROA)
1.46%Pretax return on assets
13.27%Return on equity (ROE)
11.67%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
63.21%Credit loss provision to net charge-offs
11.75%Efficiency ratio
66,787Assets per employee
4.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
12.09%Loss allowance to loans
2.21%Loss allowance to noncurrent loans
89.09%Noncurrent assets plus other real estate owned to assets
1.39%Noncurrent loans to loans
2.48%Net loans and leases to deposits
65.25%Net loans and leases to core deposits
69.06%Equity capital to assets
11.17%Core capital (leverage) ratio
11.03%Tier 1 risk-based capital ratio
17.07%Total risk-based capital ratio
Memoranda
$18Average assets
$161,264Average earning assets
$17,759Average equity
$147,836Average loans

List of branches

2 Kansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
3	511770	Overland Park Lpo Branch	6240 W 135th St, Overland Park, KS 66223	March 20, 2010	Limited Service Loan Production
4	521311	Bonner Springs Lpo Branch	13100 Kansas Ave., Bonner Springs, KS 66012	November 15, 2010	Limited Service Administrative

3 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6272	Kcb Bank	950 West 92 Highway, Kearney, MO 64060	August 17, 1887	Full Service Brick and Mortar
1	456265	Liberty Branch	930 West Liberty Drive, Liberty, MO 64068	November 15, 2006	Full Service Brick and Mortar
2	465847	Kearney Branch (Original Main Office	100 W 92 Hwy, Kearney, MO 64060	May 18, 2005	Limited Service Facility

KCB Bank in Kearney, Missouri (MO), KS
Overview, Financial Summary, Detailed Financial Reports, Branches

KCB Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

KCB Bank in Kearney, Missouri (MO), KSOverview, Financial Summary, Detailed Financial Reports, Branches

KCB Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

KCB Bank in Kearney, Missouri (MO), KS
Overview, Financial Summary, Detailed Financial Reports, Branches