FDIC Certificate #: 26960 Status: Active Federal Reserve ID: 758851 Date Established: May 15, 1987 WWW:http://www.firstbanklake.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 36371 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: Commercial Lending Specialization Date of Deposit Insurance: May 15, 1987 Last Structure Change Effective Date: January 21, 2011 Last Structure Change Process Date: January 21, 2011 Last Data Update: January 21, 2011 Data Source Date: April 05, 2012
Location
Address: 4558 Osage Beach Parkway Suite 100, Osage Beach, MO 65065 County: Camden Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Change in Location
Financial Summary
Total assets: $38.0 mil Equity capital: $6.2 mil Deposits held in domestic offices: $30.6 mil Return on assets (ROA): 0.34% ($0.1 mil) Quarterly return on assets: 0.59% ($0.2 mil) Return on Equity (ROE): 1.97% ($0.1 mil) Quarterly return on equity: 3.31% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.54% ($205.0 mil) Quarterly Pretax return on assets: 0.92% ($349.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$37,957Total assets
$4,617Cash and due from depository institutions
$3,049Interest-bearing balances
$2,879Securities
$4,593Federal funds sold & reverse repurchase agreements
$22,469Net loans & leases
$81Loan loss allowance
$0Trading account assets
$512Bank premises and fixed assets
$770Other real estate owned
$1,235Goodwill and other intangibles
$37,957Life insurance assets
$882All other assets
$31,395Total liabilities and capital
$30,573Total liabilities
$23,706Total deposits
$30,573Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$750Trading liabilities
$0Other borrowed funds
$72Subordinated debt
$6,562All other liabilities
$6,237Total equity capital
$6,237Total bank equity capital
$0Perpetual preferred stock
$725Common stock
$5,352Surplus
$160Undivided profits
Memoranda
$325Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$532Income earned, not collected on loans
$0Earning assets
$136Long-term assets (5+ years)
$32,990Average Assets, year-to-date
$3,653Average Assets, quarterly
$34,500Volatile liabilities
$34,321Insider loans
$23,664FHLB advances
$31,884Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,285Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$813Restructured Loans and leases
$1,089Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,470Total interest income
$328Total interest expense
$1,142Net interest income
$49Provision for loan and lease losses
$553Total noninterest income
$0Fiduciary activities
$88Service charges on deposit accounts
$0Trading account gains & fees
$465Additional noninterest income
$1,461Total noninterest expense
$574Salaries and employee benefits
$207Premises and equipment expense
$680Additional noninterest expense
$185Pre-tax net operating income
$0Securities gains (losses)
$66Applicable income taxes
$119Income before extraordinary items
$0Extraordinary gains - net
$119Net income attributable to bank
$0Net charge-offs
$119Cash dividends
$320Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.02%Yield on earning assets
1.12%Cost of funding earning assets
3.90%Net interest margin
1.89%Noninterest income to earning assets
4.99%Noninterest expense to earning assets
0.34%Net operating income to assets
0.34%Return on assets (ROA)
0.54%Pretax return on assets
1.97%Return on equity (ROE)
1.97%Retained earnings to average equity (YTD only)
1.53%Net charge-offs to loans
15.31%Credit loss provision to net charge-offs
0.73%Efficiency ratio
86,195Assets per employee
3.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.36%Loss allowance to noncurrent loans
15.23%Noncurrent assets plus other real estate owned to assets
3.43%Noncurrent loans to loans
2.36%Net loans and leases to deposits
73.49%Net loans and leases to core deposits
88.18%Equity capital to assets
16.43%Core capital (leverage) ratio
16.58%Tier 1 risk-based capital ratio
22.33%Total risk-based capital ratio
Memoranda
$23Average assets
$34,500Average earning assets
$6,049Average equity
$29,296Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
36371
First Bank Of The Lake
4558 Osage Beach Parkway Suite 100, Osage Beach, MO 65065
May 15, 1987
Full Service Brick and Mortar
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