City Bank and Trust Company of Moberly

City Bank and Trust Company of Moberly is headquartered in Moberly and is the 138^th largest bank in the state of Missouri. It is also the 3,750^th largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 31 employees at 4 locations. City Bank and Trust Company of Moberly has a 5-star health rating.

Data for Q1 2012

Institution Statistics City Bank and Trust Company of Moberly FDIC Certificate # 15142 BankRate Report View Year Established 1935 Employees 31 Primary Regulator FED Assets and Liabilities Assets $157.30 million Loans $56.91 million Deposits $107.02 million Equity Capital $12.66 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $263,000 Real Estate Owned $344,000 Historic Data - March 2011 Assets $146.74 million Equity Capital $12.50 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $362,000 Real Estate Owned $344,000 Profit Margin - Quarterly Net Interest Margin 2.52% Return on Assets 0.56% Return on Equity 6.82% Interest Income $1.07 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 City Bank and Trust Company of Moberly had $607,000 in non-current loans and owned real-estate with $13.93 million in equity and loan loss allowances on hand to cover it. This gives City Bank and Trust Company of Moberly a Texas Ratio of 4.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for City Bank and Trust Company of Moberly held steady from 5.13% as of March 31, 2011 to 4.36% as of March 31, 2012, resulting in a positive change of 14.99%.This indicates that the balance sheet and financial strength for City Bank and Trust Company of Moberly has held steady in recent periods. Deposit Growth In the past year, City Bank and Trust Company of Moberly has increased its total deposits by $1.8 million, resulting in 1.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth City Bank and Trust Company of Moberly has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. City Bank and Trust Company of Moberly has $157.3 million in assets with $13.93 million in equity, resulting in a capitalization level of 8.85%, which is average.

No reviews have been left for this bank yet. Be the first to review.