RCSBank in New London, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

RCSBank - Overview

  • General
  • FDIC Certificate #: 16170
    Status: Active
    Federal Reserve ID: 1002355
    Bank Holding Company (Regulatory Top Holder): New London Bancshares, Inc (RSSDID: 2520995, Location: New London, MO)
    Date Established: July 15, 1944
    WWW: http://www.rcsbank.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 #: 10378
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 15, 1944
    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: 418 South Main, New London, MO 63459
    County: Ralls
    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
    Core Based Statistical Area (CBSA): Hannibal, MO (#25300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $57.5 mil
    Equity capital: $5.3 mil
    Deposits held in domestic offices: $52.0 mil
    Return on assets (ROA): 0.45% ($0.3 mil)
    Quarterly return on assets: 0.33% ($0.2 mil)
    Return on Equity (ROE): 5.02% ($0.3 mil)
    Quarterly return on equity: 3.46% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.65% ($373.5 mil)
    Quarterly Pretax return on assets: 0.58% ($333.3 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
  • 16Total employees (full-time equivalent)
  • $57,459Total assets
  • $3,957Cash and due from depository institutions
  • $1,496Interest-bearing balances
  • $14,416Securities
  • $2,380Federal funds sold & reverse repurchase agreements
  • $30,213Net loans & leases
  • $357Loan loss allowance
  • $0Trading account assets
  • $2,974Bank premises and fixed assets
  • $869Other real estate owned
  • $0Goodwill and other intangibles
  • $57,459Life insurance assets
  • $2,650All other assets
  • $52,154Total liabilities and capital
  • $52,040Total liabilities
  • $42,121Total deposits
  • $52,040Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $114Subordinated debt
  • $5,305All other liabilities
  • $5,305Total equity capital
  • $5,305Total bank equity capital
  • $0Perpetual preferred stock
  • $287Common stock
  • $2,075Surplus
  • $2,943Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $73Income earned, not collected on loans
  • $0Earning assets
  • $279Long-term assets (5+ years)
  • $48,505Average Assets, year-to-date
  • $10,896Average Assets, quarterly
  • $57,854Volatile liabilities
  • $56,103Insider loans
  • $40,635FHLB advances
  • $55,210Loans and leases held for sale
  • $1,232Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,786Tier 2 risk-based capital
  • $1,232Total risk weighted assets
  • $0Total unused commitments
  • $3,383Restructured Loans and leases
  • $641Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,002Total interest income
  • $296Total interest expense
  • $1,706Net interest income
  • $32Provision for loan and lease losses
  • $589Total noninterest income
  • $0Fiduciary activities
  • $173Service charges on deposit accounts
  • $0Trading account gains & fees
  • $416Additional noninterest income
  • $1,926Total noninterest expense
  • $832Salaries and employee benefits
  • $383Premises and equipment expense
  • $711Additional noninterest expense
  • $337Pre-tax net operating income
  • $41Securities gains (losses)
  • $117Applicable income taxes
  • $261Income before extraordinary items
  • $0Extraordinary gains - net
  • $261Net income attributable to bank
  • $0Net charge-offs
  • $261Cash dividends
  • $134Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.10%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.50%Net interest margin
  • 1.21%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 5.02%Return on equity (ROE)
  • 5.02%Retained earnings to average equity (YTD only)
  • 0.45%Net charge-offs to loans
  • 23.88%Credit loss provision to net charge-offs
  • 2.75%Efficiency ratio
  • 83,922Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 489.04%Noncurrent assets plus other real estate owned to assets
  • 1.64%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 58.06%Net loans and leases to core deposits
  • 58.34%Equity capital to assets
  • 9.23%Core capital (leverage) ratio
  • 8.67%Tier 1 risk-based capital ratio
  • 11.78%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $57,854Average earning assets
  • $5,202Average equity
  • $48,786Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010378Rcsbank418 South Main, New London, MO 63459July 15, 1944Full Service Brick and Mortar
    110828Center Facility115 South Public, Center, MO 63436May 01, 1948Full Service Brick and Mortar
    2445011Hannibal Branch Office390 North Veterans Road, Hannibal, MO 63401September 26, 2005Full Service Brick and Mortar

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