The State Bank in Richmond, Missouri (MO)

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The State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal 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)
Total employees (full-time equivalent)9
Total assets$29,391
Cash and due from depository institutions$2,783
Interest-bearing balances$2,152
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$16,829
Loan loss allowance $229
Trading account assets$0
Bank premises and fixed assets$216
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$354
Life insurance assets$29,391
Total liabilities and capital$26,858
Total liabilities$26,785
Total deposits$22,713
Interest-bearing deposits$26,785
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $73
All other liabilities $2,533
Total equity capital$2,533
Total bank equity capital$2,533
Perpetual preferred stock$0
Common stock$144
Undivided profits $1,877
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 $143
Earning assets $0
Long-term assets (5+ years) $213
Average Assets, year-to-date $28,190
Average Assets, quarterly $1,260
Volatile liabilities $27,941
Insider loans $28,632
FHLB advances $15,222
Loans and leases held for sale $29,555
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,447
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,099
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,252
Total interest expense $195
Net interest income $1,057
Provision for loan and lease losses $24
Total noninterest income $193
Fiduciary activities $0
Service charges on deposit accounts $134
Trading account gains & fees $0
Additional noninterest income $59
Total noninterest expense $834
Salaries and employee benefits $385
Premises and equipment expense $70
Additional noninterest expense $379
Pre-tax net operating income $392
Securities gains (losses) $0
Applicable income taxes $6
Income before extraordinary items $386
Extraordinary gains - net $0
Net income attributable to bank $386
Net charge-offs $0
Cash dividends $386
Sale, conversion, retirement of capital stock, net $1
Net operating income $180
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.68%
Cost of funding earning assets 0.73%
Net interest margin 3.95%
Noninterest income to earning assets 0.72%
Noninterest expense to earning assets 3.12%
Net operating income to assets 1.38%
Return on assets (ROA) 1.38%
Pretax return on assets 1.40%
Return on equity (ROE) 15.94%
Retained earnings to average equity (YTD only) 8.51%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 2400.00%
Efficiency ratio416.00%
Assets per employee$66,720
Cash dividends to net income (YTD only)3.27%
Condition Ratios (%)
Loss allowance to loans 46.63%
Loss allowance to noncurrent loans 1.34%
Noncurrent assets plus other real estate owned to assets 160.14%
Noncurrent loans to loans 0.49%
Net loans and leases to deposits0.84%
Net loans and leases to core deposits 62.83%
Equity capital to assets 65.71%
Core capital (leverage) ratio 8.62%
Tier 1 risk-based capital ratio 8.28%
Total risk-based capital ratio 16.08%
Average assets$17
Average earning assets$27,941
Average equity $2,421
Average loans $26,737
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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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