RCSBank in city_name, state_name - Detailed Financial Reports, Location

RCSBank in New London, Missouri (MO)
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RCSBank routing number info

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RCSBank - Overview

General
FDIC Certificate #: 16170
Status: Active
Federal Reserve ID: 1002355
Bank Holding Company (Regulatory Top Holder): New London Bancshares, Inc (RSSDID: 2520995, Location: New London, MO)
Date Established: July 15, 1944
WWW: http://www.rcsbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 10378
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: Commercial Lending Specialization
Date of Deposit Insurance: July 15, 1944
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: 418 South Main, New London, MO 63459
County: Ralls
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: St. Louis
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Hannibal, MO (#25300)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $57.5 mil
Equity capital: $5.3 mil
Deposits held in domestic offices: $52.0 mil
Return on assets (ROA): 0.45% ($0.3 mil)
Quarterly return on assets: 0.33% ($0.2 mil)
Return on Equity (ROE): 5.02% ($0.3 mil)
Quarterly return on equity: 3.46% ($0.2 mil)
Net income: $0.3 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.65% ($373.5 mil)
Quarterly Pretax return on assets: 0.58% ($333.3 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
16Total employees (full-time equivalent)
$57,459Total assets
$3,957Cash and due from depository institutions
$1,496Interest-bearing balances
$14,416Securities
$2,380Federal funds sold & reverse repurchase agreements
$30,213Net loans & leases
$357Loan loss allowance
$0Trading account assets
$2,974Bank premises and fixed assets
$869Other real estate owned
$0Goodwill and other intangibles
$57,459Life insurance assets
$2,650All other assets
$52,154Total liabilities and capital
$52,040Total liabilities
$42,121Total deposits
$52,040Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$114Subordinated debt
$5,305All other liabilities
$5,305Total equity capital
$5,305Total bank equity capital
$0Perpetual preferred stock
$287Common stock
$2,075Surplus
$2,943Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$73Income earned, not collected on loans
$0Earning assets
$279Long-term assets (5+ years)
$48,505Average Assets, year-to-date
$10,896Average Assets, quarterly
$57,854Volatile liabilities
$56,103Insider loans
$40,635FHLB advances
$55,210Loans and leases held for sale
$1,232Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,786Tier 2 risk-based capital
$1,232Total risk weighted assets
$0Total unused commitments
$3,383Restructured Loans and leases
$641Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,002Total interest income
$296Total interest expense
$1,706Net interest income
$32Provision for loan and lease losses
$589Total noninterest income
$0Fiduciary activities
$173Service charges on deposit accounts
$0Trading account gains & fees
$416Additional noninterest income
$1,926Total noninterest expense
$832Salaries and employee benefits
$383Premises and equipment expense
$711Additional noninterest expense
$337Pre-tax net operating income
$41Securities gains (losses)
$117Applicable income taxes
$261Income before extraordinary items
$0Extraordinary gains - net
$261Net income attributable to bank
$0Net charge-offs
$261Cash dividends
$134Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.10%Yield on earning assets
0.61%Cost of funding earning assets
3.50%Net interest margin
1.21%Noninterest income to earning assets
3.95%Noninterest expense to earning assets
0.40%Net operating income to assets
0.45%Return on assets (ROA)
0.65%Pretax return on assets
5.02%Return on equity (ROE)
5.02%Retained earnings to average equity (YTD only)
0.45%Net charge-offs to loans
23.88%Credit loss provision to net charge-offs
2.75%Efficiency ratio
83,922Assets per employee
3.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
489.04%Noncurrent assets plus other real estate owned to assets
1.64%Noncurrent loans to loans
0.24%Net loans and leases to deposits
58.06%Net loans and leases to core deposits
58.34%Equity capital to assets
9.23%Core capital (leverage) ratio
8.67%Tier 1 risk-based capital ratio
11.78%Total risk-based capital ratio
Memoranda
$13Average assets
$57,854Average earning assets
$5,202Average equity
$48,786Average loans

List of branches

3 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	10378	Rcsbank	418 South Main, New London, MO 63459	July 15, 1944	Full Service Brick and Mortar
1	10828	Center Facility	115 South Public, Center, MO 63436	May 01, 1948	Full Service Brick and Mortar
2	445011	Hannibal Branch Office	390 North Veterans Road, Hannibal, MO 63401	September 26, 2005	Full Service Brick and Mortar

RCSBank in New London, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

RCSBank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

RCSBank in New London, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

RCSBank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

RCSBank in New London, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches