FDIC Certificate #: 8289 Status: Active Federal Reserve ID: 644459 Bank Holding Company (Regulatory Top Holder): Bedison Bancshares, Inc. (RSSDID: 4210405, Location: Platte City, MO) Date Established: Febuary 07, 1889 WWW:http://www.citizensbankoforegon.com 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 #: 5289 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: January 01, 1934 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: 125 West Nodaway Street, Oregon, MO 64473 County: Holt 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $25.1 mil Equity capital: $2.3 mil Deposits held in domestic offices: $22.7 mil Return on assets (ROA): -0.38% (-$0.1 mil) Quarterly return on assets: -2.58% (-$0.6 mil) Return on Equity (ROE): -3.71% (-$0.1 mil) Quarterly return on equity: -24.35% (-$0.5 mil) Net income: -$0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.49% (-$123.0 mil) Quarterly Pretax return on assets: -3.25% (-$815.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$25,093Total assets
$6,792Cash and due from depository institutions
$5,080Interest-bearing balances
$3,437Securities
$0Federal funds sold & reverse repurchase agreements
$14,184Net loans & leases
$287Loan loss allowance
$0Trading account assets
$107Bank premises and fixed assets
$40Other real estate owned
$0Goodwill and other intangibles
$25,093Life insurance assets
$533All other assets
$22,752Total liabilities and capital
$22,733Total liabilities
$17,192Total deposits
$22,733Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$19Subordinated debt
$2,341All other liabilities
$2,341Total equity capital
$2,341Total bank equity capital
$0Perpetual preferred stock
$117Common stock
$493Surplus
$1,731Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$212Income earned, not collected on loans
$0Earning assets
$163Long-term assets (5+ years)
$22,701Average Assets, year-to-date
$1,550Average Assets, quarterly
$21,710Volatile liabilities
$22,803Insider loans
$14,288FHLB advances
$21,345Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,330Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,217Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$796Total interest income
$91Total interest expense
$705Net interest income
$111Provision for loan and lease losses
-$99Total noninterest income
$0Fiduciary activities
$16Service charges on deposit accounts
$0Trading account gains & fees
-$115Additional noninterest income
$601Total noninterest expense
$310Salaries and employee benefits
$76Premises and equipment expense
$215Additional noninterest expense
-$106Pre-tax net operating income
$0Securities gains (losses)
-$24Applicable income taxes
-$82Income before extraordinary items
$0Extraordinary gains - net
-$82Net income attributable to bank
$0Net charge-offs
-$82Cash dividends
$212Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.09%Yield on earning assets
0.47%Cost of funding earning assets
3.62%Net interest margin
-0.51%Noninterest income to earning assets
3.09%Noninterest expense to earning assets
-0.38%Net operating income to assets
-0.38%Return on assets (ROA)
-0.49%Pretax return on assets
-3.71%Return on equity (ROE)
-3.71%Retained earnings to average equity (YTD only)
1.77%Net charge-offs to loans
52.36%Credit loss provision to net charge-offs
0.02%Efficiency ratio
99,175Assets per employee
5.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.98%Loss allowance to noncurrent loans
135.38%Noncurrent assets plus other real estate owned to assets
1.00%Noncurrent loans to loans
1.46%Net loans and leases to deposits
62.39%Net loans and leases to core deposits
62.39%Equity capital to assets
9.33%Core capital (leverage) ratio
10.92%Tier 1 risk-based capital ratio
16.31%Total risk-based capital ratio
Memoranda
$18Average assets
$21,710Average earning assets
$2,213Average equity
$19,450Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5289
The Citizens Bank Of Oregon Missouri
125 West Nodaway Street, Oregon, MO 64473
Febuary 07, 1889
Full Service Brick and Mortar
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