Citizens Bank of Southern Missouri in Ava, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 15, 1996

Citizens Bank of Southern Missouri in Ava, Missouri (MO)
Show street view No street view available for this location

Citizens Bank of Southern Missouri - Overview

General
FDIC Certificate #: 8294
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Bank (#1653)
Federal Reserve ID: 811149
Date Established: July 05, 1905
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 11741
FDIC's unique #: 5293
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 15, 1996
Last Structure Change Process Date: October 24, 1996
Last Data Update: October 24, 1996
Data Source Date: April 05, 2012
Location
Address: 400 South Jefferson Street, Ava, MO 65608
County: Douglas
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: $63.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$29Total assets
$60,576Cash and due from depository institutions
$1,791Interest-bearing balances
$22Securities
$21,190Federal funds sold & reverse repurchase agreements
$1,050Net loans & leases
$34,591Loan loss allowance
$447Trading account assets
$0Bank premises and fixed assets
$1,217Other real estate owned
$0Goodwill and other intangibles
$737Life insurance assets
$0All other assets
$0Total liabilities and capital
$60,576Total liabilities
$56,111Total deposits
$55,663Interest-bearing deposits
$51,313Deposits held in domestic offices
55663.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$122Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$326Total equity capital
$326Total bank equity capital
$4,465Perpetual preferred stock
$0Common stock
$452Surplus
$1,698Undivided profits
Memoranda
$2,315Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$49Income earned, not collected on loans
$389Earning assets
$56,853Long-term assets (5+ years)
$6,515Average Assets, year-to-date
$60,077Average Assets, quarterly
$60,739Volatile liabilities
$5,994Insider loans
$1,560FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,177Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,494Total risk weighted assets
$36,678Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$4,411Total interest expense
$2,225Net interest income
$2,186Provision for loan and lease losses
$64Total noninterest income
$222Fiduciary activities
$0Service charges on deposit accounts
$178Trading account gains & fees
$0Additional noninterest income
$44Total noninterest expense
$1,472Salaries and employee benefits
$726Premises and equipment expense
$181Additional noninterest expense
$565Pre-tax net operating income
$872Securities gains (losses)
-$3Applicable income taxes
$269Income before extraordinary items
$600Extraordinary gains - net
$0Net income attributable to bank
$600Net charge-offs
$17Cash dividends
$420Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.84%Cost of funding earning assets
3.96%Net interest margin
3.89%Noninterest income to earning assets
0.39%Noninterest expense to earning assets
2.62%Net operating income to assets
1.00%Return on assets (ROA)
1.00%Pretax return on assets
1.45%Return on equity (ROE)
14.04%Retained earnings to average equity (YTD only)
4.21%Net charge-offs to loans
0.05%Credit loss provision to net charge-offs
376.47%Efficiency ratio
61,130Assets per employee
2.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
70.00%Loss allowance to loans
1.28%Loss allowance to noncurrent loans
912.24%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.14%Net loans and leases to deposits
62.14%Net loans and leases to core deposits
69.47%Equity capital to assets
7.37%Core capital (leverage) ratio
7.41%Tier 1 risk-based capital ratio
12.25%Total risk-based capital ratio
Memoranda
$13Average assets
$60,077Average earning assets
$4,273Average equity
$56,240Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens Bank of Southern Missouri.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.