The Citizens Bank of Edina in Edina, Missouri (MO)



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The Citizens Bank of Edina routing number info

Table of contents:
The Citizens Bank of Edina
GeneralFDIC Certificate #: 12457
Status: Active
Federal Reserve ID: 699253
Bank Holding Company (Regulatory Top Holder): T & C Bancorp, Inc. (RSSDID: 1095816, Location: Quincy, IL)
Date Established: September 10, 1914
WWW: http://www.cbofe.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 15978
FDIC's unique #: 7929
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: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 18, 2007
Last Structure Change Process Date: October 30, 2007
Last Data Update: October 30, 2007
Data Source Date: April 05, 2012
LocationAddress: Main And Morgan Streets, Edina, MO 63537
County: Knox
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 SummaryTotal assets: $68.1 mil
Equity capital: $7.1 mil
Deposits held in domestic offices: $59.9 mil
Return on assets (ROA): 1.42% ($1.0 mil)
Quarterly return on assets: 1.32% ($0.9 mil)
Return on Equity (ROE): 13.27% ($0.9 mil)
Quarterly return on equity: 12.18% ($0.9 mil)
Net income: $0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 2.40% ($1,635.5 mil)
Quarterly Pretax return on assets: 2.12% ($1,444.7 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)
Total employees (full-time equivalent)16
Total assets$68,147
Cash and due from depository institutions$3,217
Interest-bearing balances$770
Securities$5,012
Federal funds sold & reverse repurchase agreements$6,230
Net loans & leases$49,878
Loan loss allowance $743
Trading account assets$0
Bank premises and fixed assets$138
Other real estate owned$404
Goodwill and other intangibles$0
All other assets$3,268
Life insurance assets$68,147
Total liabilities and capital$61,024
Total liabilities$59,918
Total deposits$48,052
Interest-bearing deposits$59,918
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$676
Other borrowed funds $0
Subordinated debt $430
All other liabilities $7,123
Total equity capital$7,123
Total bank equity capital$7,123
Perpetual preferred stock$0
Common stock$375
Surplus$400
Undivided profits $6,348
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $674
Earning assets $0
Long-term assets (5+ years) $966
Average Assets, year-to-date $61,890
Average Assets, quarterly $4,638
Volatile liabilities $66,460
Insider loans $65,796
FHLB advances $52,923
Loans and leases held for sale $66,004
Unused loan commitments $1,877
Tier 1 (core) risk-based capital $1,877
Tier 2 risk-based capital $7,112
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,374
Derivatives$954
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,281
Total interest expense $604
Net interest income $2,677
Provision for loan and lease losses $0
Total noninterest income $284
Fiduciary activities $0
Service charges on deposit accounts $171
Trading account gains & fees $0
Additional noninterest income $113
Total noninterest expense $1,367
Salaries and employee benefits $670
Premises and equipment expense $117
Additional noninterest expense $580
Pre-tax net operating income $1,594
Securities gains (losses) $0
Applicable income taxes $653
Income before extraordinary items $941
Extraordinary gains - net $0
Net income attributable to bank $941
Net charge-offs $0
Cash dividends $941
Sale, conversion, retirement of capital stock, net $34
Net operating income $884
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.40%
Cost of funding earning assets 0.99%
Net interest margin 4.41%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 2.25%
Net operating income to assets 1.42%
Return on assets (ROA) 1.42%
Pretax return on assets 2.40%
Return on equity (ROE) 13.27%
Retained earnings to average equity (YTD only) 0.80%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio46.88%
Assets per employee$46,167
Cash dividends to net income (YTD only)4.26%
Condition Ratios (%)
Loss allowance to loans 93.94%
Loss allowance to noncurrent loans 1.47%
Noncurrent assets plus other real estate owned to assets 110.24%
Noncurrent loans to loans 1.58%
Net loans and leases to deposits1.33%
Net loans and leases to core deposits 83.24%
Equity capital to assets 87.02%
Core capital (leverage) ratio 10.45%
Tier 1 risk-based capital ratio 10.78%
Total risk-based capital ratio 13.44%
Memoranda
Average assets$15
Average earning assets$66,460
Average equity $7,091
Average loans $60,766
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1 Missouri Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07929The Citizens Bank Of EdinaMain And Morgan Streets, Edina, MO 63537September 10, 1914Full Service Brick and Mortar
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