Community Bank of Pleasant Hill

Community Bank of Pleasant Hill Locations

2401 North Highway 7
Pleasant Hill, MO 64080
(816) 540-2525
www.cbphonline.net

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Community Bank of Pleasant Hill is headquartered in Pleasant Hill and is the 286^th largest bank in the state of Missouri. It is also the 6,482^nd largest bank in the nation. It was established in 2006 and as of September of 2011, it had grown to 10 employees at 1 location. Community Bank of Pleasant Hill has a 4-star health rating.

Community Bank of Pleasant Hill Routing Number: 101219279

High-Yield Reward Checking Account at a Missouri Bank - Available Nationwide (Community Bank of Pleasant Hill) - 6/12/2008

Update 4/01/09: The top yield has fallen to 3.01% APY. Refer to the bottom of the post for the rate history.Community Bank of Pleasant Hill has a rewards checking account that pays 3.01% APY on balances up to $25,000 (0.50% for above) and refunds ATM...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Community Bank of Pleasant Hill Checking Account Rates

Apy	Min	Max	Product
2.01%	-	$25k	Rewards Checking
0.85%	$2,500	-	Wall Street Checking
0.10%	-	-	Low Minimum Interest Checking
0.10%	-	-	VIP Interest Checking
0.10%	-	-	50+ Interest Checking
0.10%	-	-	Business Interest Checking

Community Bank of Pleasant Hill Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Statement Savings
0.15%	-	-	KA$H
0.00%	$10k	-	Premier Money Management

Community Bank of Pleasant Hill Money Market Rates

Apy	Min	Max	Product
0.70%	$50k	-	Personal Money Market
0.70%	$50k	-	Business Money Market

Community Bank of Pleasant Hill CD Rates

Apy	Min	Max	Product
1.21%	$100k	-	5 Year (260 weeks) CDARS
0.80%	$500	-	2 Year CD
0.80%	$500	-	3 Year CD
0.80%	$500	-	4 Year CD
0.80%	-	-	27 Month Rate Watcher CD
0.70%	-	-	15 Month Rate Watcher CD
0.60%	$500	-	1 Year CD
0.50%	$500	-	6 Month CD
0.45%	$100k	-	3 Year (156 weeks) CDARS
0.35%	$500	-	30 Day CD
0.35%	$500	-	90 Day CD
0.28%	$100k	-	2 Year (104 weeks) CDARS
0.05%	$100k	-	52 Week CDARS
0.00%	$25k	-	4 Week CDARS
0.00%	$25k	-	13 Week CDARS
0.00%	$25k	-	26 Week CDARS

Community Bank of Pleasant Hill IRA Rates

Apy	Min	Max	Product
0.80%	$500	-	2 Year IRA
0.80%	-	-	27 Months Rate Watcher IRA
0.80%	$500	-	3 Year IRA
0.80%	$500	-	4 Year IRA
0.70%	-	-	15 Months Rate Watcher IRA
0.60%	$500	-	1 Year IRA

Rates updated: 2/9/2012

Data for Q3 2011

Institution Statistics

Community Bank of Pleasant Hill
FDIC Certificate #	58423
BankRate Report	View
Year Established	2006
Employees	10
Primary Regulator	FED
Assets and Liabilities
Assets	$47.99 million
Loans	$31.20 million
Deposits	$43.03 million
Equity Capital	$4.87 million
Loan Loss Allowance	$345,000
Real Estate Owned	$495,000
Historic Data - September 2010
Assets	$39.21 million
Equity Capital	$4.44 million
Loan Loss Allowance	$400,000
Real Estate Owned	$315,000
Profit Margin - Quarterly
Net Interest Margin	3.69%
Return on Assets	1.12%
Return on Equity	11.28%
Interest Income	$1.46 million

Institution Health

Overall Score:

4 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 September 30, 2011 Community Bank of Pleasant Hill had $495,000 in non-current loans and owned real-estate with $5.22 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Pleasant Hill a Texas Ratio of 9.49% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Community Bank of Pleasant Hill held steady from 6.51% as of September 30, 2010 to 9.49% as of September 30, 2011, resulting in a negative change of 45.82%. This indicates that the balance sheet and financial strength for Community Bank of Pleasant Hill has held steady in recent periods.
Deposit Growth
In the past year, Community Bank of Pleasant Hill has increased its total deposits by $8.36 million, resulting in 24.13% 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 Community Bank of Pleasant Hill has shown is excellent.
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. Community Bank of Pleasant Hill has $47.99 million in assets with $5.22 million in equity, resulting in a capitalization level of 10.87%, which is above average.