FDIC Certificate #: 23551 Status: Active Federal Reserve ID: 766052 Date Established: October 01, 1981 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 #: 16492 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: October 01, 1981 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: Highway 54 And Main Street, El Dorado Springs, MO 64744 County: Cedar 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $96.0 mil Equity capital: $13.1 mil Deposits held in domestic offices: $82.8 mil Return on assets (ROA): 2.01% ($1.9 mil) Quarterly return on assets: 1.62% ($1.6 mil) Return on Equity (ROE): 15.99% ($2.1 mil) Quarterly return on equity: 11.97% ($1.6 mil) Net income: $1.9 mil Quarterly Net income: $0.4 mil Pretax return on assets: 2.01% ($1,928.7 mil) Quarterly Pretax return on assets: 1.62% ($1,554.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$95,956Total assets
$9,394Cash and due from depository institutions
$8,178Interest-bearing balances
$45,530Securities
$886Federal funds sold & reverse repurchase agreements
$38,341Net loans & leases
$1,016Loan loss allowance
$0Trading account assets
$100Bank premises and fixed assets
$755Other real estate owned
$0Goodwill and other intangibles
$95,956Life insurance assets
$950All other assets
$82,856Total liabilities and capital
$82,774Total liabilities
$75,435Total deposits
$82,774Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$82Subordinated debt
$13,100All other liabilities
$13,100Total equity capital
$13,100Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$400Surplus
$12,400Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$936Income earned, not collected on loans
$0Earning assets
$669Long-term assets (5+ years)
$92,935Average Assets, year-to-date
$27,823Average Assets, quarterly
$96,022Volatile liabilities
$96,326Insider loans
$55,751FHLB advances
$95,549Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,866Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,890Restructured Loans and leases
$402Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,952Total interest income
$846Total interest expense
$3,106Net interest income
$120Provision for loan and lease losses
$333Total noninterest income
$0Fiduciary activities
$263Service charges on deposit accounts
$0Trading account gains & fees
$70Additional noninterest income
$1,385Total noninterest expense
$675Salaries and employee benefits
$79Premises and equipment expense
$631Additional noninterest expense
$1,934Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,934Income before extraordinary items
$0Extraordinary gains - net
$1,934Net income attributable to bank
$0Net charge-offs
$1,934Cash dividends
-$6Sale, conversion, retirement of capital stock, net
$800Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.26%Yield on earning assets
0.91%Cost of funding earning assets
3.35%Net interest margin
0.36%Noninterest income to earning assets
1.49%Noninterest expense to earning assets
2.01%Net operating income to assets
2.01%Return on assets (ROA)
2.01%Pretax return on assets
15.99%Return on equity (ROE)
9.38%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
-2000.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
40,273Assets per employee
6.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.37%Loss allowance to loans
2.58%Loss allowance to noncurrent loans
108.55%Noncurrent assets plus other real estate owned to assets
1.76%Noncurrent loans to loans
2.38%Net loans and leases to deposits
46.32%Net loans and leases to core deposits
46.82%Equity capital to assets
13.65%Core capital (leverage) ratio
12.42%Tier 1 risk-based capital ratio
21.28%Total risk-based capital ratio
Memoranda
$23Average assets
$96,022Average earning assets
$12,095Average equity
$92,804Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
16492
Community Bank Of El Dorado Springs
Highway 54 And Main Street, El Dorado Springs, MO 64744
October 01, 1981
Full Service Brick and Mortar
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