First Bank of the Lake in Osage Beach, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


First Bank of the Lake - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    036371First Bank Of The Lake4558 Osage Beach Parkway Suite 100, Osage Beach, MO 65065May 15, 1987Full Service Brick and Mortar

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