F & C Bank in Holden, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

F & C Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total 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
  • 43Total employees (full-time equivalent)
  • $117,530Total assets
  • $3,057Cash and due from depository institutions
  • $10Interest-bearing balances
  • $6,328Securities
  • $214Federal funds sold & reverse repurchase agreements
  • $95,380Net loans & leases
  • $1,550Loan loss allowance
  • $0Trading account assets
  • $5,791Bank premises and fixed assets
  • $1,842Other real estate owned
  • $0Goodwill and other intangibles
  • $117,530Life insurance assets
  • $4,918All other assets
  • $103,411Total liabilities and capital
  • $97,694Total liabilities
  • $84,327Total deposits
  • $97,694Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,125Trading liabilities
  • $0Other borrowed funds
  • $592Subordinated debt
  • $14,119All other liabilities
  • $14,119Total equity capital
  • $14,119Total bank equity capital
  • $0Perpetual preferred stock
  • $176Common stock
  • $160Surplus
  • $13,783Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,272Income earned, not collected on loans
  • $0Earning assets
  • $1,058Long-term assets (5+ years)
  • $101,932Average Assets, year-to-date
  • $25,946Average Assets, quarterly
  • $116,914Volatile liabilities
  • $117,313Insider loans
  • $97,667FHLB advances
  • $117,208Loans and leases held for sale
  • $2,676Unused loan commitments
  • $2,676Tier 1 (core) risk-based capital
  • $13,954Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,737Restructured Loans and leases
  • $326Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,580Total interest income
  • $846Total interest expense
  • $5,734Net interest income
  • $722Provision for loan and lease losses
  • $1,386Total noninterest income
  • $0Fiduciary activities
  • $777Service charges on deposit accounts
  • $0Trading account gains & fees
  • $609Additional noninterest income
  • $4,910Total noninterest expense
  • $2,403Salaries and employee benefits
  • $707Premises and equipment expense
  • $1,800Additional noninterest expense
  • $1,488Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,488Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,488Net income attributable to bank
  • $0Net charge-offs
  • $1,488Cash dividends
  • $742Sale, conversion, retirement of capital stock, net
  • $1,554Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.40%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 5.58%Net interest margin
  • 1.35%Noninterest income to earning assets
  • 4.78%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 10.52%Return on equity (ROE)
  • -0.47%Retained earnings to average equity (YTD only)
  • 0.76%Net charge-offs to loans
  • 97.30%Credit loss provision to net charge-offs
  • 2.98%Efficiency ratio
  • 68,961Assets per employee
  • 2.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 104.44%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 121.86%Noncurrent assets plus other real estate owned to assets
  • 2.65%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 97.63%Net loans and leases to core deposits
  • 112.53%Equity capital to assets
  • 12.01%Core capital (leverage) ratio
  • 11.91%Tier 1 risk-based capital ratio
  • 14.29%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $116,914Average earning assets
  • $14,143Average equity
  • $102,767Average loans

List of branches

  • 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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