The Citizens-Farmers Bank of Cole Camp

121 East Main Street
Cole Camp, MO 65325

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11463
Date Established 1929
Assets $0.13 billion
Loans $0.09 billion
Deposits $0.11 billion
Capital $0.02 billion

The Citizens-Farmers Bank of Cole Camp is an FDIC insured institution located in Cole Camp, MO. It was founded in 1929 and has approximately $0.13 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of The Citizens-Farmers Bank of Cole Camp's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.50% $1,000 $24,999 Learn MoreShow Less
Money Market
0.75% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.40% $1,000 - Learn MoreShow Less
6 Mo CD
0.65% $1,000 - Learn MoreShow Less
12 Mo CD
1.00% $1,000 - Learn MoreShow Less
18 Mo CD
1.10% $1,000 - Learn MoreShow Less
24 Mo CD
1.20% $1,000 - Learn MoreShow Less
30 Mo CD
1.30% $1,000 - Learn MoreShow Less
36 Mo CD
1.40% $1,000 - Learn MoreShow Less
48 Mo CD
1.51% $1,000 - Learn MoreShow Less
60 Mo CD
2.16% $1,000 - Learn MoreShow Less

Variable IRA Rates APY MIN MAX
Var IRA
2.02% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $1 - Learn MoreShow Less

Loan Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Citizens-Farmers Bank of Cole Camp

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to The Citizens-Farmers Bank of Cole Camp
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Branches

The Citizens-Farmers Bank of Cole Camp branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The Citizens-Farmers Bank of Cole Camp Locations


Financial Details

The Citizens-Farmers Bank of Cole Camp Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Citizens-Farmers Bank of Cole Camp. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Citizens-Farmers Bank of Cole Camp U.S. Bank Average
3.99% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, The Citizens-Farmers Bank of Cole Camp had $827,000 in non-current loans and $65,000 in owned real estate. To cover these potential losses it had $20,662,000 in equity and $1,670,000 in loans loss reserves. That gives it a Texas Ratio of 3.99%.

Return on Equity
The Citizens-Farmers Bank of Cole Camp U.S. Bank Average
-2.34% 9.47%

The Citizens-Farmers Bank of Cole Camp has a Return on Equity of -2.34% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Citizens-Farmers Bank of Cole Camp U.S. Bank Average
15.54% 12.49%

The Citizens-Farmers Bank of Cole Camp has a Capitalization of 15.54% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Citizens-Farmers Bank of Cole Camp Balance Sheet Analysis

As of March 31, 2019, The Citizens-Farmers Bank of Cole Camp had assets of $132,996,000, loans of $86,343,000, and deposits of $111,486,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.11 billion
LIABILITIES
Total deposits $0.11 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 87.05%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.11 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The Citizens-Farmers Bank of Cole Camp’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial Real Estate.

Compared to other banks in Missouri, The Citizens-Farmers Bank of Cole Camp has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 44.21
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 5.12
Small Business Loans 0.00
Construction and Development Loans 2.04
Commercial Real Estate 11.02
Commercial and Industrial Loans 6.79
Farm Loans 14.08

Frequently Asked Questions About The Citizens-farmers Bank Of Cole Camp

Branches and Savings

Is The Citizens-farmers Bank Of Cole Camp FDIC insured?

Yes. It is covered under FDIC Certificate #11463.

Why does The Citizens-farmers Bank Of Cole Camp pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Citizens-farmers Bank Of Cole Camp CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Citizens-farmers Bank Of Cole Camp a commercial bank?

Yes

Where are The Citizens-farmers Bank Of Cole Camp locations?

See branch locations nearby.

Is The Citizens-farmers Bank Of Cole Camp open on Saturdays?

Is The Citizens-farmers Bank Of Cole Camp open on Sundays?

What time does The Citizens-farmers Bank Of Cole Camp open?

What time does The Citizens-farmers Bank Of Cole Camp close?

Are The Citizens-farmers Bank Of Cole Camp ATMs Open 24/7?

Do The Citizens-farmers Bank Of Cole Camp ATMs accept cash deposits?

Can The Citizens-farmers Bank Of Cole Camp customers use other ATMs?

Do The Citizens-farmers Bank Of Cole Camp branches have notaries?

Will The Citizens-farmers Bank Of Cole Camp notarize my document?

What address for The Citizens-farmers Bank Of Cole Camp should I put for incoming ACH transfers?

Will the The Citizens-farmers Bank Of Cole Camp branch print checks?

Do The Citizens-farmers Bank Of Cole Camp checks expire?

Does The Citizens-farmers Bank Of Cole Camp require US citizenship to open account?

Can The Citizens-farmers Bank Of Cole Camp close my account?

Does The Citizens-farmers Bank Of Cole Camp Report to credit bureaus?

Does The Citizens-farmers Bank Of Cole Camp Use Equifax?

What is The Citizens-farmers Bank Of Cole Camp's ACH Routing Number?

What is The Citizens-farmers Bank Of Cole Camp's SWIFT code?

Products

Does The Citizens-farmers Bank Of Cole Camp offer mortgages?

Compare mortgage rates here.

Does The Citizens-farmers Bank Of Cole Camp offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Citizens-farmers Bank Of Cole Camp offer personal loans?

Compare personal loan rates here.

Does The Citizens-farmers Bank Of Cole Camp offer student loans?

Will The Citizens-farmers Bank Of Cole Camp cash a check?

Will The Citizens-farmers Bank Of Cole Camp redeem a savings bond?

Does The Citizens-farmers Bank Of Cole Camp cash savings bonds?

Will The Citizens-farmers Bank Of Cole Camp cash money orders?

Can The Citizens-farmers Bank Of Cole Camp issue a money order?

Does The Citizens-farmers Bank Of Cole Camp do currency exchange?

Background on The Bank

Who owns The Citizens-farmers Bank Of Cole Camp?

How long has The Citizens-farmers Bank Of Cole Camp been around?

Can The Citizens-farmers Bank Of Cole Camp transfer to other banks?

Does The Citizens-farmers Bank Of Cole Camp have quick pay?

Does The Citizens-farmers Bank Of Cole Camp accept rolled coins?

Will The Citizens-farmers Bank Of Cole Camp accept loose change?

Where is The Citizens-farmers Bank Of Cole Camp headquarters?

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