FDIC Certificate #: 35094 Status: Active Federal Reserve ID: 2724766 Bank Holding Company (Regulatory Top Holder): Clark County Bancshares, Inc. (RSSDID: 1097995, Location: Wyaconda, MO) Date Established: March 20, 1999 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 #: 74672 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: March 20, 1999 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: 112 East Madison, Memphis, MO 63555 County: Scotland Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Columbia 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: $38.8 mil Equity capital: $4.5 mil Deposits held in domestic offices: $33.9 mil Return on assets (ROA): 0.62% ($0.2 mil) Quarterly return on assets: 0.79% ($0.3 mil) Return on Equity (ROE): 5.54% ($0.3 mil) Quarterly return on equity: 6.75% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.98% ($380.6 mil) Quarterly Pretax return on assets: 1.24% ($481.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$38,836Total assets
$5,384Cash and due from depository institutions
$1,454Interest-bearing balances
$11,824Securities
$163Federal funds sold & reverse repurchase agreements
$19,615Net loans & leases
$326Loan loss allowance
$0Trading account assets
$363Bank premises and fixed assets
$0Other real estate owned
$913Goodwill and other intangibles
$38,836Life insurance assets
$574All other assets
$34,309Total liabilities and capital
$33,907Total liabilities
$27,682Total deposits
$33,907Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$402Subordinated debt
$4,527All other liabilities
$4,527Total equity capital
$4,527Total bank equity capital
$0Perpetual preferred stock
$1,125Common stock
$1,931Surplus
$1,471Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$0Earning assets
$417Long-term assets (5+ years)
$33,056Average Assets, year-to-date
$792Average Assets, quarterly
$38,575Volatile liabilities
$38,717Insider loans
$19,566FHLB advances
$37,733Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,402Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,779Restructured Loans and leases
$511Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,505Total interest income
$460Total interest expense
$1,045Net interest income
$30Provision for loan and lease losses
$106Total noninterest income
$0Fiduciary activities
$79Service charges on deposit accounts
$0Trading account gains & fees
$27Additional noninterest income
$743Total noninterest expense
$420Salaries and employee benefits
$129Premises and equipment expense
$194Additional noninterest expense
$378Pre-tax net operating income
$0Securities gains (losses)
$139Applicable income taxes
$239Income before extraordinary items
$0Extraordinary gains - net
$239Net income attributable to bank
$0Net charge-offs
$239Cash dividends
$5Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.42%Yield on earning assets
1.35%Cost of funding earning assets
3.07%Net interest margin
0.31%Noninterest income to earning assets
2.18%Noninterest expense to earning assets
0.62%Net operating income to assets
0.62%Return on assets (ROA)
0.98%Pretax return on assets
5.54%Return on equity (ROE)
5.54%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
600.00%Credit loss provision to net charge-offs
81.60%Efficiency ratio
64,553Assets per employee
3.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
32600.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.01%Net loans and leases to deposits
57.85%Net loans and leases to core deposits
59.17%Equity capital to assets
11.66%Core capital (leverage) ratio
9.02%Tier 1 risk-based capital ratio
17.39%Total risk-based capital ratio
Memoranda
$19Average assets
$38,575Average earning assets
$4,313Average equity
$34,012Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
74672
Community Bank Of Memphis
112 East Madison, Memphis, MO 63555
March 20, 1999
Full Service Brick and Mortar
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