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


  • KCB Bank in Kearney, Missouri (MO), KS
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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
  • NoIDNameAddressEstablishedService TypeMap
    3511770Overland Park Lpo Branch6240 W 135th St, Overland Park, KS 66223March 20, 2010Limited Service Loan Production
    4521311Bonner Springs Lpo Branch13100 Kansas Ave., Bonner Springs, KS 66012November 15, 2010Limited Service Administrative
  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06272Kcb Bank950 West 92 Highway, Kearney, MO 64060August 17, 1887Full Service Brick and Mortar
    1456265Liberty Branch930 West Liberty Drive, Liberty, MO 64068November 15, 2006Full Service Brick and Mortar
    2465847Kearney Branch (Original Main Office100 W 92 Hwy, Kearney, MO 64060May 18, 2005Limited Service Facility

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