F & C Bank in Holden, Missouri (MO)



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F & C Bank routing number info

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F & C Bank
GeneralFDIC Certificate #: 9378
Status: Active
Federal Reserve ID: 14155
Bank Holding Company (Regulatory Top Holder): F&C Bancorp, Inc. (RSSDID: 2168931, Location: Holden, MO)
Date Established: March 24, 1881
WWW: http://www.fandcbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 12104
FDIC's unique #: 6023
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 12, 2010
Last Structure Change Process Date: August 12, 2010
Last Data Update: August 12, 2010
Data Source Date: April 05, 2012
LocationAddress: 1006 Eagle Crest Drive, Holden, MO 64040
County: Johnson
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
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Warrensburg, MO (#47660)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $117.5 mil
Equity capital: $14.1 mil
Deposits held in domestic offices: $97.7 mil
Return on assets (ROA): 1.27% ($1.5 mil)
Quarterly return on assets: 0.67% ($0.8 mil)
Return on Equity (ROE): 10.52% ($1.5 mil)
Quarterly return on equity: 5.54% ($0.8 mil)
Net income: $1.5 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.27% ($1,492.6 mil)
Quarterly Pretax return on assets: 0.67% ($787.5 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)
Total employees (full-time equivalent)43
Total assets$117,530
Cash and due from depository institutions$3,057
Interest-bearing balances$10
Securities$6,328
Federal funds sold & reverse repurchase agreements$214
Net loans & leases$95,380
Loan loss allowance $1,550
Trading account assets$0
Bank premises and fixed assets$5,791
Other real estate owned$1,842
Goodwill and other intangibles$0
All other assets$4,918
Life insurance assets$117,530
Total liabilities and capital$103,411
Total liabilities$97,694
Total deposits$84,327
Interest-bearing deposits$97,694
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,125
Other borrowed funds $0
Subordinated debt $592
All other liabilities $14,119
Total equity capital$14,119
Total bank equity capital$14,119
Perpetual preferred stock$0
Common stock$176
Surplus$160
Undivided profits $13,783
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,272
Earning assets $0
Long-term assets (5+ years) $1,058
Average Assets, year-to-date $101,932
Average Assets, quarterly $25,946
Volatile liabilities $116,914
Insider loans $117,313
FHLB advances $97,667
Loans and leases held for sale $117,208
Unused loan commitments $2,676
Tier 1 (core) risk-based capital $2,676
Tier 2 risk-based capital $13,954
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,737
Derivatives$326
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,580
Total interest expense $846
Net interest income $5,734
Provision for loan and lease losses $722
Total noninterest income $1,386
Fiduciary activities $0
Service charges on deposit accounts $777
Trading account gains & fees $0
Additional noninterest income $609
Total noninterest expense $4,910
Salaries and employee benefits $2,403
Premises and equipment expense $707
Additional noninterest expense $1,800
Pre-tax net operating income $1,488
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,488
Extraordinary gains - net $0
Net income attributable to bank $1,488
Net charge-offs $0
Cash dividends $1,488
Sale, conversion, retirement of capital stock, net $742
Net operating income $1,554
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.40%
Cost of funding earning assets 0.82%
Net interest margin 5.58%
Noninterest income to earning assets 1.35%
Noninterest expense to earning assets 4.78%
Net operating income to assets 1.27%
Return on assets (ROA) 1.27%
Pretax return on assets 1.27%
Return on equity (ROE) 10.52%
Retained earnings to average equity (YTD only) -0.47%
Net charge-offs to loans 0.76%
Credit loss provision to net charge-offs 97.30%
Efficiency ratio2.98%
Assets per employee$68,961
Cash dividends to net income (YTD only)2.73%
Condition Ratios (%)
Loss allowance to loans 104.44%
Loss allowance to noncurrent loans 1.60%
Noncurrent assets plus other real estate owned to assets 121.86%
Noncurrent loans to loans 2.65%
Net loans and leases to deposits1.31%
Net loans and leases to core deposits 97.63%
Equity capital to assets 112.53%
Core capital (leverage) ratio 12.01%
Tier 1 risk-based capital ratio 11.91%
Total risk-based capital ratio 14.29%
Memoranda
Average assets$16
Average earning assets$116,914
Average equity $14,143
Average loans $102,767
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3 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06023F & C Bank1006 Eagle Crest Drive, Holden, MO 64040March 24, 1881Full Service Brick and Mortar
1220010Kingsville BranchWalnut Street And Pacific Avenue, Kingsville, MO 64040August 12, 1974Full Service Brick and Mortar
2220011Lone Jack Facility102 North Bynum Road, Lone Jack, MO 64070July 11, 1995Full Service Brick and Mortar
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