Farmers State Bank in Cameron, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Farmers State Bank in Cameron, Missouri (MO)
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Farmers State Bank - Overview

  • General
  • FDIC Certificate #: 13897
    Status: Active
    Federal Reserve ID: 757452
    Bank Holding Company (Regulatory Top Holder): Fsc Bancshares, Inc. (RSSDID: 1067000, Location: Cameron, MO)
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 10013
    FDIC's unique #: 8690
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: Febuary 14, 1934
    Last Structure Change Effective Date: December 03, 2010
    Last Structure Change Process Date: December 08, 2010
    Last Data Update: December 08, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 East Third St., Cameron, MO 64429
    County: Clinton
    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
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $171.2 mil
    Equity capital: $19.0 mil
    Deposits held in domestic offices: $151.4 mil
    Return on assets (ROA): 0.64% ($1.1 mil)
    Quarterly return on assets: 0.84% ($1.4 mil)
    Return on Equity (ROE): 5.81% ($1.1 mil)
    Quarterly return on equity: 7.53% ($1.4 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.96% ($1,643.2 mil)
    Quarterly Pretax return on assets: 1.23% ($2,105.3 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
  • 68Total employees (full-time equivalent)
  • $171,165Total assets
  • $6,870Cash and due from depository institutions
  • $45Interest-bearing balances
  • $15,666Securities
  • $4,888Federal funds sold & reverse repurchase agreements
  • $133,154Net loans & leases
  • $744Loan loss allowance
  • $0Trading account assets
  • $4,585Bank premises and fixed assets
  • $475Other real estate owned
  • $1,409Goodwill and other intangibles
  • $171,165Life insurance assets
  • $4,118All other assets
  • $152,152Total liabilities and capital
  • $151,388Total liabilities
  • $127,688Total deposits
  • $151,388Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $764Subordinated debt
  • $19,013All other liabilities
  • $19,013Total equity capital
  • $19,013Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $8,949Surplus
  • $9,664Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $725Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,599Income earned, not collected on loans
  • $165Earning assets
  • $829Long-term assets (5+ years)
  • $153,753Average Assets, year-to-date
  • $74,593Average Assets, quarterly
  • $172,009Volatile liabilities
  • $170,890Insider loans
  • $134,055FHLB advances
  • $171,750Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,501Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,554Restructured Loans and leases
  • $404Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,131Total interest income
  • $1,203Total interest expense
  • $6,928Net interest income
  • $157Provision for loan and lease losses
  • $1,673Total noninterest income
  • $0Fiduciary activities
  • $774Service charges on deposit accounts
  • $0Trading account gains & fees
  • $899Additional noninterest income
  • $6,797Total noninterest expense
  • $3,907Salaries and employee benefits
  • $882Premises and equipment expense
  • $2,008Additional noninterest expense
  • $1,647Pre-tax net operating income
  • $0Securities gains (losses)
  • $550Applicable income taxes
  • $1,097Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,097Net income attributable to bank
  • $0Net charge-offs
  • $1,097Cash dividends
  • $250Sale, conversion, retirement of capital stock, net
  • $710Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 4.43%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 4.35%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 5.81%Return on equity (ROE)
  • 2.05%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 62.80%Credit loss provision to net charge-offs
  • 7.22%Efficiency ratio
  • 77,200Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.72%Loss allowance to loans
  • 0.56%Loss allowance to noncurrent loans
  • 46.53%Noncurrent assets plus other real estate owned to assets
  • 1.21%Noncurrent loans to loans
  • 1.19%Net loans and leases to deposits
  • 87.96%Net loans and leases to core deposits
  • 93.79%Equity capital to assets
  • 11.11%Core capital (leverage) ratio
  • 10.19%Tier 1 risk-based capital ratio
  • 13.06%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $172,009Average earning assets
  • $18,877Average equity
  • $156,245Average loans

List of branches

  • 7 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08690Farmers State Bank124 East Third St., Cameron, MO 64429January 01, 1934Full Service Brick and Mortar
    1230603Walk-Up-drive-in Branch416 North Walnut Street, Cameron, MO 64429Febuary 19, 1965Limited Service Facility
    3230605Trenton Branch1503 East Ninth Street, Trenton, MO 64683September 18, 1997Full Service Brick and Mortar
    45690Tarkio Branch512 Main Street, Tarkio, MO 64491April 23, 1933Full Service Brick and Mortar
    59369Mound City Branch1015 State Street, Mound City, MO 64470December 01, 1934Full Service Brick and Mortar
    6362021Maitland Branch303 South 2nd, Maitland, MO 64466January 15, 2001Full Service Brick and Mortar
    75469Fairfax Branch110 E Main St, Fairfax, MO 64446December 14, 1892Full Service Brick and Mortar

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