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

State Bank of Missouri - Overview

  • General
  • FDIC Certificate #: 10623
    Status: Active
    Federal Reserve ID: 565844
    Bank Holding Company (Regulatory Top Holder): C.S. Bancshares, Inc. (RSSDID: 1138786, Location: Chillicothe, MO)
    Date Established: July 28, 1884
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12907
    FDIC's unique #: 6809
    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: All Other Specialization < 1 Billion
    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: 101 N.W. 2nd 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: $83.1 mil
    Equity capital: $6.8 mil
    Deposits held in domestic offices: $75.2 mil
    Return on assets (ROA): 1.09% ($0.9 mil)
    Quarterly return on assets: 0.64% ($0.5 mil)
    Return on Equity (ROE): 12.03% ($0.8 mil)
    Quarterly return on equity: 7.25% ($0.5 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.09% ($906.2 mil)
    Quarterly Pretax return on assets: 0.67% ($557.0 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
  • 28Total employees (full-time equivalent)
  • $83,137Total assets
  • $18,825Cash and due from depository institutions
  • $14,930Interest-bearing balances
  • $20,644Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $39,839Net loans & leases
  • $828Loan loss allowance
  • $0Trading account assets
  • $1,103Bank premises and fixed assets
  • $1,750Other real estate owned
  • $0Goodwill and other intangibles
  • $83,137Life insurance assets
  • $976All other assets
  • $76,316Total liabilities and capital
  • $75,154Total liabilities
  • $66,218Total deposits
  • $75,154Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $922Trading liabilities
  • $0Other borrowed funds
  • $240Subordinated debt
  • $6,821All other liabilities
  • $6,821Total equity capital
  • $6,821Total bank equity capital
  • $0Perpetual preferred stock
  • $145Common stock
  • $1,004Surplus
  • $5,672Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $121Income earned, not collected on loans
  • $0Earning assets
  • $387Long-term assets (5+ years)
  • $75,413Average Assets, year-to-date
  • $35,021Average Assets, quarterly
  • $73,506Volatile liabilities
  • $77,358Insider loans
  • $39,700FHLB advances
  • $75,480Loans and leases held for sale
  • $164Unused loan commitments
  • $164Tier 1 (core) risk-based capital
  • $6,490Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,817Restructured Loans and leases
  • $88Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,980Total interest income
  • $503Total interest expense
  • $2,477Net interest income
  • $137Provision for loan and lease losses
  • $629Total noninterest income
  • $0Fiduciary activities
  • $377Service charges on deposit accounts
  • $0Trading account gains & fees
  • $252Additional noninterest income
  • $2,170Total noninterest expense
  • $1,156Salaries and employee benefits
  • $236Premises and equipment expense
  • $778Additional noninterest expense
  • $799Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $799Income before extraordinary items
  • $0Extraordinary gains - net
  • $799Net income attributable to bank
  • $0Net charge-offs
  • $799Cash dividends
  • $541Sale, conversion, retirement of capital stock, net
  • $560Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.63%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 1.09%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 12.03%Return on equity (ROE)
  • 3.60%Retained earnings to average equity (YTD only)
  • 1.27%Net charge-offs to loans
  • 25.32%Credit loss provision to net charge-offs
  • 1.73%Efficiency ratio
  • 69,865Assets per employee
  • 2.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.09%Loss allowance to loans
  • 2.04%Loss allowance to noncurrent loans
  • 684.30%Noncurrent assets plus other real estate owned to assets
  • 2.25%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 53.01%Net loans and leases to core deposits
  • 54.96%Equity capital to assets
  • 8.20%Core capital (leverage) ratio
  • 8.60%Tier 1 risk-based capital ratio
  • 16.35%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $73,506Average earning assets
  • $6,640Average equity
  • $68,162Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06809State Bank Of Missouri101 N.W. 2nd Street, Concordia, MO 64020July 28, 1884Full Service Brick and Mortar
    1222798Alma Branch114 South Country Road, Alma, MO 64001August 12, 1982Full Service Brick and Mortar
    2222799Grain Valley Branch715 Main, Grain Valley, MO 64029May 01, 1996Limited Service Facility
    3222800Grain Valley Branch1301 Sw Eagles Parkway, Grain Valley, MO 64029January 10, 1998Full Service Brick and Mortar

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