The Citizens' State Bank of Granby in Granby, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 12, 1993

The Citizens' State Bank of Granby in Granby, Missouri (MO)
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The Citizens' State Bank of Granby - Overview

General
FDIC Certificate #: 16482
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Community Bank and Trust (#13068)
Federal Reserve ID: 958651
Date Established: July 01, 1946
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 10645
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: September 14, 1946
Last Structure Change Effective Date: Febuary 12, 1993
Last Structure Change Process Date: Febuary 23, 1993
Last Data Update: Febuary 23, 1993
Data Source Date: April 05, 2012
Location
Address: Main Street, Granby, MO 64844
County: Newton
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
Metropolitan Statistical Area (MSA): Joplin, MO (#3710)
Core Based Statistical Area (CBSA): Joplin, MO (#27900)
CBSA Metro Statistical Area: Joplin, MO (#27900)
Financial Summary
Total assets: $12.6 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$8Total assets
$12,590Cash and due from depository institutions
$2,449Interest-bearing balances
$1,981Securities
$5,556Federal funds sold & reverse repurchase agreements
$275Net loans & leases
$4,143Loan loss allowance
$65Trading account assets
$0Bank premises and fixed assets
$61Other real estate owned
$0Goodwill and other intangibles
$106Life insurance assets
$0All other assets
$0Total liabilities and capital
$12,590Total liabilities
$11,469Total deposits
$11,392Interest-bearing deposits
$9,835Deposits held in domestic offices
11392.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$77Total equity capital
$77Total bank equity capital
$1,121Perpetual preferred stock
$0Common stock
$50Surplus
$200Undivided profits
Memoranda
$871Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5Income earned, not collected on loans
$32Earning assets
$11,955Long-term assets (5+ years)
$2,139Average Assets, year-to-date
$12,584Average Assets, quarterly
$12,915Volatile liabilities
$310Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,121Total risk weighted assets
$4,345Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$969Total interest expense
$376Net interest income
$593Provision for loan and lease losses
$12Total noninterest income
$143Fiduciary activities
$0Service charges on deposit accounts
$89Trading account gains & fees
$0Additional noninterest income
$54Total noninterest expense
$472Salaries and employee benefits
$239Premises and equipment expense
$27Additional noninterest expense
$206Pre-tax net operating income
$252Securities gains (losses)
$55Applicable income taxes
$103Income before extraordinary items
$204Extraordinary gains - net
$0Net income attributable to bank
$204Net charge-offs
$8Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.05%Cost of funding earning assets
3.12%Net interest margin
4.93%Noninterest income to earning assets
1.19%Noninterest expense to earning assets
3.92%Net operating income to assets
1.33%Return on assets (ROA)
1.62%Pretax return on assets
2.44%Return on equity (ROE)
20.14%Retained earnings to average equity (YTD only)
20.14%Net charge-offs to loans
0.20%Credit loss provision to net charge-offs
150.00%Efficiency ratio
64,130Assets per employee
1.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.54%Loss allowance to noncurrent loans
1300.00%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.12%Net loans and leases to deposits
36.37%Net loans and leases to core deposits
37.38%Equity capital to assets
8.90%Core capital (leverage) ratio
8.66%Tier 1 risk-based capital ratio
25.80%Total risk-based capital ratio
Memoranda
$27Average assets
$12,584Average earning assets
$1,013Average equity
$12,040Average loans

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