FDIC Certificate #: 9811 Status: Active Federal Reserve ID: 829452 Bank Holding Company (Regulatory Top Holder): Country Agencies & Investments, Inc. (RSSDID: 1053339, Location: Odessa, MO) Date Established: January 01, 1907 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6283 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 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: 1114 Broadway, Oak Grove, MO 64075 County: Jackson 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: $88.0 mil Equity capital: $11.9 mil Deposits held in domestic offices: $75.9 mil Return on assets (ROA): -1.15% (-$1.0 mil) Quarterly return on assets: -0.06% (-$0.1 mil) Return on Equity (ROE): -8.19% (-$1.0 mil) Quarterly return on equity: -0.44% (-$0.1 mil) Net income: -$1.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -2.00% (-$1,759.1 mil) Quarterly Pretax return on assets: -0.20% (-$175.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$87,955Total assets
$9,141Cash and due from depository institutions
$7,310Interest-bearing balances
$38,119Securities
$4,924Federal funds sold & reverse repurchase agreements
$31,151Net loans & leases
$1,784Loan loss allowance
$0Trading account assets
$216Bank premises and fixed assets
$2,049Other real estate owned
$0Goodwill and other intangibles
$87,955Life insurance assets
$2,355All other assets
$76,088Total liabilities and capital
$75,890Total liabilities
$72,601Total deposits
$75,890Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$198Subordinated debt
$11,867All other liabilities
$11,867Total equity capital
$11,867Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$600Surplus
$10,967Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$609Income earned, not collected on loans
$0Earning assets
$352Long-term assets (5+ years)
$81,504Average Assets, year-to-date
$19,989Average Assets, quarterly
$86,637Volatile liabilities
$87,636Insider loans
$39,355FHLB advances
$82,861Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,861Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$224Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,580Total interest income
$776Total interest expense
$1,804Net interest income
$1,080Provision for loan and lease losses
-$431Total noninterest income
$0Fiduciary activities
$71Service charges on deposit accounts
$0Trading account gains & fees
-$502Additional noninterest income
$2,026Total noninterest expense
$890Salaries and employee benefits
$174Premises and equipment expense
$962Additional noninterest expense
-$1,733Pre-tax net operating income
$0Securities gains (losses)
-$737Applicable income taxes
-$996Income before extraordinary items
$0Extraordinary gains - net
-$996Net income attributable to bank
$0Net charge-offs
-$996Cash dividends
$2,227Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.19%Yield on earning assets
0.96%Cost of funding earning assets
2.23%Net interest margin
-0.53%Noninterest income to earning assets
2.51%Noninterest expense to earning assets
-1.15%Net operating income to assets
-1.15%Return on assets (ROA)
-2.00%Pretax return on assets
-8.19%Return on equity (ROE)
-8.19%Retained earnings to average equity (YTD only)
6.26%Net charge-offs to loans
48.50%Credit loss provision to net charge-offs
-0.29%Efficiency ratio
147,560Assets per employee
4.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
5.42%Loss allowance to noncurrent loans
292.94%Noncurrent assets plus other real estate owned to assets
3.02%Noncurrent loans to loans
1.85%Net loans and leases to deposits
41.05%Net loans and leases to core deposits
42.89%Equity capital to assets
13.49%Core capital (leverage) ratio
11.90%Tier 1 risk-based capital ratio
25.06%Total risk-based capital ratio
Memoranda
$26Average assets
$86,637Average earning assets
$12,163Average equity
$80,807Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6283
Commercial Bank Of Oak Grove, Mo.
1114 Broadway, Oak Grove, MO 64075
January 01, 1907
Full Service Brick and Mortar
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