The State Bank in Richmond, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The State Bank in Richmond, Missouri (MO)
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The State Bank - Overview

  • General
  • FDIC Certificate #: 15751
    Status: Active
    Federal Reserve ID: 786256
    Bank Holding Company (Regulatory Top Holder): C.S. Bancshares, Inc. (RSSDID: 1138786, Location: Chillicothe, MO)
    Date Established: July 01, 1940
    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 #: 13154
    FDIC's unique #: 10002
    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: July 01, 1940
    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: 803 Wollard Boulevard, Richmond, MO 64085
    County: Ray
    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: $29.4 mil
    Equity capital: $2.5 mil
    Deposits held in domestic offices: $26.8 mil
    Return on assets (ROA): 1.38% ($0.4 mil)
    Quarterly return on assets: 1.33% ($0.4 mil)
    Return on Equity (ROE): 15.94% ($0.5 mil)
    Quarterly return on equity: 15.23% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.40% ($411.5 mil)
    Quarterly Pretax return on assets: 1.36% ($399.7 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
  • 9Total employees (full-time equivalent)
  • $29,391Total assets
  • $2,783Cash and due from depository institutions
  • $2,152Interest-bearing balances
  • $9,209Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $16,829Net loans & leases
  • $229Loan loss allowance
  • $0Trading account assets
  • $216Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $29,391Life insurance assets
  • $354All other assets
  • $26,858Total liabilities and capital
  • $26,785Total liabilities
  • $22,713Total deposits
  • $26,785Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $73Subordinated debt
  • $2,533All other liabilities
  • $2,533Total equity capital
  • $2,533Total bank equity capital
  • $0Perpetual preferred stock
  • $144Common stock
  • $512Surplus
  • $1,877Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $143Income earned, not collected on loans
  • $0Earning assets
  • $213Long-term assets (5+ years)
  • $28,190Average Assets, year-to-date
  • $1,260Average Assets, quarterly
  • $27,941Volatile liabilities
  • $28,632Insider loans
  • $15,222FHLB advances
  • $29,555Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,447Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,099Restructured Loans and leases
  • $30Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,252Total interest income
  • $195Total interest expense
  • $1,057Net interest income
  • $24Provision for loan and lease losses
  • $193Total noninterest income
  • $0Fiduciary activities
  • $134Service charges on deposit accounts
  • $0Trading account gains & fees
  • $59Additional noninterest income
  • $834Total noninterest expense
  • $385Salaries and employee benefits
  • $70Premises and equipment expense
  • $379Additional noninterest expense
  • $392Pre-tax net operating income
  • $0Securities gains (losses)
  • $6Applicable income taxes
  • $386Income before extraordinary items
  • $0Extraordinary gains - net
  • $386Net income attributable to bank
  • $0Net charge-offs
  • $386Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $180Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 15.94%Return on equity (ROE)
  • 8.51%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 2400.00%Credit loss provision to net charge-offs
  • 416.00%Efficiency ratio
  • 66,720Assets per employee
  • 3.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.63%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 160.14%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 62.83%Net loans and leases to core deposits
  • 65.71%Equity capital to assets
  • 8.62%Core capital (leverage) ratio
  • 8.28%Tier 1 risk-based capital ratio
  • 16.08%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $27,941Average earning assets
  • $2,421Average equity
  • $26,737Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010002The State Bank803 Wollard Boulevard, Richmond, MO 64085July 01, 1940Full Service Brick and Mortar

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