Farmers Bank of Lincoln in Lincoln, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers Bank of Lincoln - Overview

  • General
  • FDIC Certificate #: 8267
    Status: Active
    Federal Reserve ID: 742355
    Bank Holding Company (Regulatory Top Holder): Lincoln Bancshares, Inc. (RSSDID: 1066094, Location: Lincoln, MO)
    Date Established: January 11, 1890
    WWW: http://www.fblmo.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10998
    FDIC's unique #: 5273
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Highway 65, Lincoln, MO 65338
    County: Benton
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $90.4 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $74.3 mil
    Return on assets (ROA): 1.44% ($1.3 mil)
    Quarterly return on assets: 1.57% ($1.4 mil)
    Return on Equity (ROE): 14.85% ($1.3 mil)
    Quarterly return on equity: 15.75% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.44% ($1,302.0 mil)
    Quarterly Pretax return on assets: 1.57% ($1,419.5 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
  • 23Total employees (full-time equivalent)
  • $90,415Total assets
  • $5,539Cash and due from depository institutions
  • $2,963Interest-bearing balances
  • $13,405Securities
  • $200Federal funds sold & reverse repurchase agreements
  • $66,809Net loans & leases
  • $848Loan loss allowance
  • $0Trading account assets
  • $1,872Bank premises and fixed assets
  • $642Other real estate owned
  • $0Goodwill and other intangibles
  • $90,415Life insurance assets
  • $1,948All other assets
  • $81,250Total liabilities and capital
  • $74,314Total liabilities
  • $62,889Total deposits
  • $74,314Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,652Trading liabilities
  • $0Other borrowed funds
  • $284Subordinated debt
  • $9,165All other liabilities
  • $9,165Total equity capital
  • $9,165Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $250Surplus
  • $8,865Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $91Income earned, not collected on loans
  • $0Earning assets
  • $620Long-term assets (5+ years)
  • $83,377Average Assets, year-to-date
  • $9,548Average Assets, quarterly
  • $91,322Volatile liabilities
  • $90,393Insider loans
  • $59,023FHLB advances
  • $89,491Loans and leases held for sale
  • $492Unused loan commitments
  • $492Tier 1 (core) risk-based capital
  • $8,847Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,144Restructured Loans and leases
  • $1,314Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,422Total interest income
  • $1,094Total interest expense
  • $3,328Net interest income
  • $77Provision for loan and lease losses
  • $448Total noninterest income
  • $0Fiduciary activities
  • $289Service charges on deposit accounts
  • $0Trading account gains & fees
  • $159Additional noninterest income
  • $2,387Total noninterest expense
  • $1,204Salaries and employee benefits
  • $327Premises and equipment expense
  • $856Additional noninterest expense
  • $1,312Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,312Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,312Net income attributable to bank
  • $0Net charge-offs
  • $1,312Cash dividends
  • $73Sale, conversion, retirement of capital stock, net
  • $886Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.23%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 14.85%Return on equity (ROE)
  • 4.82%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 105.48%Credit loss provision to net charge-offs
  • 19.03%Efficiency ratio
  • 63,215Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.53%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 931.87%Noncurrent assets plus other real estate owned to assets
  • 0.81%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 89.90%Net loans and leases to core deposits
  • 103.02%Equity capital to assets
  • 10.14%Core capital (leverage) ratio
  • 9.89%Tier 1 risk-based capital ratio
  • 14.99%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $91,322Average earning assets
  • $8,835Average equity
  • $84,531Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05273Farmers Bank Of LincolnMain And Highway 65, Lincoln, MO 65338January 11, 1890Full Service Brick and Mortar
    1218213Commercial St. And Highway 7 Branch1695 Hilltop Drive, Warsaw, MO 65355November 28, 1994Full Service Brick and Mortar

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