The Citizens-Farmers Bank of Cole Camp in Cole Camp, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Citizens-Farmers Bank of Cole Camp - Overview

  • General
  • FDIC Certificate #: 11463
    Status: Active
    Federal Reserve ID: 385547
    Date Established: March 29, 1929
    WWW: http://www.citizensfarmersbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7323
    Numeric code: 13
    Regulator: FED
    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: 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: 121 East Main Street, Cole Camp, MO 65325
    County: Benton
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $92.9 mil
    Equity capital: $16.1 mil
    Deposits held in domestic offices: $76.5 mil
    Return on assets (ROA): 1.29% ($1.2 mil)
    Quarterly return on assets: 1.26% ($1.2 mil)
    Return on Equity (ROE): 7.56% ($1.2 mil)
    Quarterly return on equity: 7.22% ($1.2 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.93% ($1,792.5 mil)
    Quarterly Pretax return on assets: 1.87% ($1,736.8 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
  • 24Total employees (full-time equivalent)
  • $92,878Total assets
  • $4,235Cash and due from depository institutions
  • $2,128Interest-bearing balances
  • $18,063Securities
  • $1,223Federal funds sold & reverse repurchase agreements
  • $64,886Net loans & leases
  • $1,081Loan loss allowance
  • $0Trading account assets
  • $1,711Bank premises and fixed assets
  • $529Other real estate owned
  • $54Goodwill and other intangibles
  • $92,878Life insurance assets
  • $2,177All other assets
  • $76,807Total liabilities and capital
  • $76,467Total liabilities
  • $66,718Total deposits
  • $76,467Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $340Subordinated debt
  • $16,071All other liabilities
  • $16,071Total equity capital
  • $16,071Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $200Surplus
  • $15,821Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,249Income earned, not collected on loans
  • $0Earning assets
  • $515Long-term assets (5+ years)
  • $86,300Average Assets, year-to-date
  • $24,486Average Assets, quarterly
  • $93,321Volatile liabilities
  • $93,252Insider loans
  • $92,753FHLB advances
  • $93,085Loans and leases held for sale
  • $892Unused loan commitments
  • $892Tier 1 (core) risk-based capital
  • $15,816Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,190Restructured Loans and leases
  • $2,182Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,340Total interest income
  • $835Total interest expense
  • $3,505Net interest income
  • $117Provision for loan and lease losses
  • $583Total noninterest income
  • $0Fiduciary activities
  • $415Service charges on deposit accounts
  • $0Trading account gains & fees
  • $168Additional noninterest income
  • $2,171Total noninterest expense
  • $1,221Salaries and employee benefits
  • $191Premises and equipment expense
  • $759Additional noninterest expense
  • $1,800Pre-tax net operating income
  • $0Securities gains (losses)
  • $599Applicable income taxes
  • $1,201Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,201Net income attributable to bank
  • $0Net charge-offs
  • $1,201Cash dividends
  • $440Sale, conversion, retirement of capital stock, net
  • $650Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.49%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 7.56%Return on equity (ROE)
  • 3.47%Retained earnings to average equity (YTD only)
  • 0.66%Net charge-offs to loans
  • 26.59%Credit loss provision to net charge-offs
  • 4.36%Efficiency ratio
  • 53,107Assets per employee
  • 3.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.12%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 86.55%Noncurrent assets plus other real estate owned to assets
  • 1.91%Noncurrent loans to loans
  • 1.89%Net loans and leases to deposits
  • 84.85%Net loans and leases to core deposits
  • 89.46%Equity capital to assets
  • 17.30%Core capital (leverage) ratio
  • 16.99%Tier 1 risk-based capital ratio
  • 17.05%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $93,321Average earning assets
  • $15,881Average equity
  • $87,053Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07323The Citizens-Farmers Bank Of Cole Ca121 East Main Street, Cole Camp, MO 65325March 29, 1929Full Service Brick and Mortar
    1230194Stover Banking Center606 West 4th, Stover, MO 65078August 19, 1996Full Service Brick and Mortar

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