Clay County Savings Bank in Liberty, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Clay County Savings Bank in Liberty, Missouri (MO)
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Clay County Savings Bank - Overview

  • General
  • FDIC Certificate #: 29764
    Status: Active
    Federal Reserve ID: 125873
    Date Established: January 01, 1922
    WWW: http://www.claycountysavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 4055
    FDIC's unique #: 42598
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 12, 1937
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1178 West Kansas Street, Liberty, MO 64068
    County: Clay
    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 Primary Regulatory Agency
  • Financial Summary
  • Total assets: $97.3 mil
    Equity capital: $10.0 mil
    Deposits held in domestic offices: $83.2 mil
    Return on assets (ROA): -1.04% (-$1.0 mil)
    Quarterly return on assets: 0.56% ($0.5 mil)
    Return on Equity (ROE): -9.87% (-$1.0 mil)
    Quarterly return on equity: 5.49% ($0.5 mil)
    Net income: -$1.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -1.32% (-$1,284.2 mil)
    Quarterly Pretax return on assets: 0.56% ($544.8 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
  • 37Total employees (full-time equivalent)
  • $97,289Total assets
  • $8,452Cash and due from depository institutions
  • $2,820Interest-bearing balances
  • $3,852Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $73,062Net loans & leases
  • $910Loan loss allowance
  • $0Trading account assets
  • $4,973Bank premises and fixed assets
  • $1,903Other real estate owned
  • $55Goodwill and other intangibles
  • $97,289Life insurance assets
  • $4,992All other assets
  • $87,300Total liabilities and capital
  • $83,202Total liabilities
  • $76,049Total deposits
  • $83,202Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,038Trading liabilities
  • $0Other borrowed funds
  • $60Subordinated debt
  • $9,989All other liabilities
  • $9,989Total equity capital
  • $9,989Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $5,391Surplus
  • $4,597Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,534Income earned, not collected on loans
  • $0Earning assets
  • $290Long-term assets (5+ years)
  • $79,734Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $97,246Volatile liabilities
  • $97,593Insider loans
  • $67,095FHLB advances
  • $96,815Loans and leases held for sale
  • $3,363Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,515Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,355Restructured Loans and leases
  • $1,371Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,861Total interest income
  • $891Total interest expense
  • $2,970Net interest income
  • $1,429Provision for loan and lease losses
  • $709Total noninterest income
  • $0Fiduciary activities
  • $237Service charges on deposit accounts
  • $0Trading account gains & fees
  • $472Additional noninterest income
  • $3,570Total noninterest expense
  • $2,077Salaries and employee benefits
  • $895Premises and equipment expense
  • $598Additional noninterest expense
  • -$1,320Pre-tax net operating income
  • $35Securities gains (losses)
  • -$272Applicable income taxes
  • -$1,013Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,013Net income attributable to bank
  • $0Net charge-offs
  • -$1,013Cash dividends
  • $415Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.63%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 4.36%Noninterest expense to earning assets
  • -1.07%Net operating income to assets
  • -1.04%Return on assets (ROA)
  • -1.32%Pretax return on assets
  • -9.87%Return on equity (ROE)
  • -9.87%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 344.34%Credit loss provision to net charge-offs
  • 0.26%Efficiency ratio
  • 97,037Assets per employee
  • 2.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 35.91%Noncurrent assets plus other real estate owned to assets
  • 4.56%Noncurrent loans to loans
  • 3.43%Net loans and leases to deposits
  • 87.81%Net loans and leases to core deposits
  • 90.62%Equity capital to assets
  • 10.27%Core capital (leverage) ratio
  • 9.83%Tier 1 risk-based capital ratio
  • 14.18%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $97,246Average earning assets
  • $10,259Average equity
  • $81,798Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042598Clay County Savings Bank1178 West Kansas Street, Liberty, MO 64068January 01, 1922Full Service Brick and Mortar
    1277063303 South Jefferson Branch303 South Jefferson, Kearney, MO 64060January 01, 1922Full Service Brick and Mortar
    100277064Highway 169 And 92 Branch1101 South 169 Highway, Smithville, MO 64089January 01, 1922Full Service Brick and Mortar
    101366121134 North Water Street Branch134 North Water Street, Liberty, MO 64068August 07, 2000Full Service Brick and Mortar
    102452322North Brighton Avenue Branch8140 North Brighton Avenue, Kansas City, MO 64119May 22, 2006Full Service Brick and Mortar

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