The Community Bank of Shell Knob in Shell Knob, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Community Bank of Shell Knob - Overview

  • General
  • FDIC Certificate #: 21717
    Status: Active
    Federal Reserve ID: 368755
    Bank Holding Company (Regulatory Top Holder): B.B. Bancshares, Inc. (RSSDID: 1119356, Location: Shell Knob, MO)
    Date Established: August 05, 1974
    WWW: http://www.communitybanksk.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 15032
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: August 05, 1974
    Last Structure Change Effective Date: April 18, 2011
    Last Structure Change Process Date: April 18, 2011
    Last Data Update: April 18, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 24829 State Highway 39, Shell Knob, MO 65747
    County: Barry
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $10.7 mil
    Equity capital: $0.4 mil
    Deposits held in domestic offices: $10.3 mil
    Return on assets (ROA): -1.79% (-$0.2 mil)
    Quarterly return on assets: -2.68% (-$0.3 mil)
    Return on Equity (ROE): -38.91% (-$0.0 mil)
    Quarterly return on equity: -68.77% (-$0.0 mil)
    Net income: -$0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -1.79% (-$190.9 mil)
    Quarterly Pretax return on assets: -2.68% (-$285.8 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
  • 6Total employees (full-time equivalent)
  • $10,663Total assets
  • $5,218Cash and due from depository institutions
  • $2,462Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $4,804Net loans & leases
  • $129Loan loss allowance
  • $0Trading account assets
  • $284Bank premises and fixed assets
  • $89Other real estate owned
  • $0Goodwill and other intangibles
  • $10,663Life insurance assets
  • $268All other assets
  • $10,286Total liabilities and capital
  • $10,274Total liabilities
  • $8,843Total deposits
  • $10,274Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $12Subordinated debt
  • $377All other liabilities
  • $377Total equity capital
  • $377Total bank equity capital
  • $0Perpetual preferred stock
  • $256Common stock
  • $739Surplus
  • $-618Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $61Income earned, not collected on loans
  • $0Earning assets
  • $43Long-term assets (5+ years)
  • $7,266Average Assets, year-to-date
  • $656Average Assets, quarterly
  • $10,750Volatile liabilities
  • $10,616Insider loans
  • $5,392FHLB advances
  • $10,712Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $377Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $148Restructured Loans and leases
  • $37Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $388Total interest income
  • $48Total interest expense
  • $340Net interest income
  • $62Provision for loan and lease losses
  • $45Total noninterest income
  • $0Fiduciary activities
  • $42Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3Additional noninterest income
  • $515Total noninterest expense
  • $259Salaries and employee benefits
  • $75Premises and equipment expense
  • $181Additional noninterest expense
  • -$192Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$192Income before extraordinary items
  • $0Extraordinary gains - net
  • -$192Net income attributable to bank
  • $0Net charge-offs
  • -$192Cash dividends
  • $26Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 5.98%Noninterest expense to earning assets
  • -1.79%Net operating income to assets
  • -1.79%Return on assets (ROA)
  • -1.79%Pretax return on assets
  • -38.91%Return on equity (ROE)
  • -38.91%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 238.46%Credit loss provision to net charge-offs
  • -5.00%Efficiency ratio
  • 133,766Assets per employee
  • 1.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.62%Loss allowance to noncurrent loans
  • 211.48%Noncurrent assets plus other real estate owned to assets
  • 1.41%Noncurrent loans to loans
  • 1.24%Net loans and leases to deposits
  • 46.76%Net loans and leases to core deposits
  • 46.76%Equity capital to assets
  • 3.54%Core capital (leverage) ratio
  • 3.52%Tier 1 risk-based capital ratio
  • 6.99%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $10,750Average earning assets
  • $493Average equity
  • $8,608Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015032The Community Bank Of Shell Knob24829 State Highway 39, Shell Knob, MO 65747August 05, 1974Full Service Brick and Mortar
    1253338Golden Facility36042 State Highway 86, Golden, MO 65658July 25, 1988Full Service Brick and Mortar

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