First Commercial Bank in city_name, state_name - Detailed Financial Reports, Location

First Commercial Bank in Gideon, Missouri (MO)
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First Commercial Bank routing number info

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First Commercial Bank - Overview

General
FDIC Certificate #: 10621
Status: Active
Federal Reserve ID: 720951
Bank Holding Company (Regulatory Top Holder): Gideon Bancshares Company (RSSDID: 1138263, Location: Dexter, MO)
Date Established: October 01, 1920
WWW: http://www.firstcb.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
FDIC's unique #: 6808
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: 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: First And Main Streets, Gideon, MO 63848
County: New Madrid
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: St. Louis
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: $223.9 mil
Equity capital: $20.0 mil
Deposits held in domestic offices: $176.7 mil
Return on assets (ROA): 0.34% ($0.8 mil)
Quarterly return on assets: 0.06% ($0.1 mil)
Return on Equity (ROE): 3.71% ($0.7 mil)
Quarterly return on equity: 0.64% ($0.1 mil)
Net income: $0.7 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.50% ($1,119.7 mil)
Quarterly Pretax return on assets: 0.06% ($134.4 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)
$223,938Total assets
$37,341Cash and due from depository institutions
$19Interest-bearing balances
$39,767Securities
$483Federal funds sold & reverse repurchase agreements
$122,774Net loans & leases
$5,439Loan loss allowance
$0Trading account assets
$2,827Bank premises and fixed assets
$14,975Other real estate owned
$1,438Goodwill and other intangibles
$223,938Life insurance assets
$4,333All other assets
$203,936Total liabilities and capital
$176,661Total liabilities
$144,153Total deposits
$176,661Interest-bearing deposits
$75Deposits held in domestic offices
9582.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$17,426Trading liabilities
$0Other borrowed funds
$267Subordinated debt
$20,002All other liabilities
$20,002Total equity capital
$20,002Total bank equity capital
$0Perpetual preferred stock
$277Common stock
$9,933Surplus
$9,792Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,759Income earned, not collected on loans
$0Earning assets
$1,138Long-term assets (5+ years)
$163,043Average Assets, year-to-date
$43,949Average Assets, quarterly
$210,690Volatile liabilities
$215,143Insider loans
$140,170FHLB advances
$215,435Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,945Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,666Restructured Loans and leases
$1,689Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,427Total interest income
$3,284Total interest expense
$6,143Net interest income
$1,073Provision for loan and lease losses
$1,165Total noninterest income
$0Fiduciary activities
$336Service charges on deposit accounts
$0Trading account gains & fees
$829Additional noninterest income
$5,181Total noninterest expense
$1,985Salaries and employee benefits
$592Premises and equipment expense
$2,604Additional noninterest expense
$1,054Pre-tax net operating income
$0Securities gains (losses)
$333Applicable income taxes
$721Income before extraordinary items
$0Extraordinary gains - net
$721Net income attributable to bank
$0Net charge-offs
$721Cash dividends
$1,023Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.32%Yield on earning assets
1.85%Cost of funding earning assets
3.46%Net interest margin
0.66%Noninterest income to earning assets
2.92%Noninterest expense to earning assets
0.34%Net operating income to assets
0.34%Return on assets (ROA)
0.50%Pretax return on assets
3.71%Return on equity (ROE)
3.71%Retained earnings to average equity (YTD only)
0.73%Net charge-offs to loans
104.89%Credit loss provision to net charge-offs
2.08%Efficiency ratio
70,895Assets per employee
5.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.24%Loss allowance to noncurrent loans
309.21%Noncurrent assets plus other real estate owned to assets
7.47%Noncurrent loans to loans
1.37%Net loans and leases to deposits
69.50%Net loans and leases to core deposits
79.21%Equity capital to assets
8.93%Core capital (leverage) ratio
8.33%Tier 1 risk-based capital ratio
12.80%Total risk-based capital ratio
Memoranda
$14Average assets
$210,690Average earning assets
$19,419Average equity
$177,304Average loans

List of branches

9 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6808	First Commercial Bank	First And Main Streets, Gideon, MO 63848	October 01, 1920	Full Service Brick and Mortar
1	222795	Beech Street Branch	202 Beech Street, Morehouse, MO 63868	January 02, 1989	Full Service Brick and Mortar
3	222797	Dexter Branch	303 Market Street, Dexter, MO 63841	October 26, 1998	Full Service Brick and Mortar
4	9824	First Commercial Bank	125 East Yoakum Street, Chaffee, MO 63740	August 07, 1937	Full Service Brick and Mortar
5	234467	First Commercial Bank	23134 State Highway 61, Morley, MO 63767	November 15, 1974	Full Service Brick and Mortar
6	359982	Benton Branch	52 West Missouri Street, Benton, MO 63736	March 26, 2001	Full Service Brick and Mortar
7	221236	Advance Branch	310 Ruth Street, Advance, MO 63730	March 22, 1993	Full Service Brick and Mortar
8	364282	Bloomfield Branch	505 Highway 25 South, Bloomfield, MO 63825	July 22, 2002	Full Service Brick and Mortar
9	466610	Essex Branch	101 Trotter Street, Essex, MO 63846	June 30, 2007	Full Service Brick and Mortar

First Commercial Bank in Gideon, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Commercial Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Commercial Bank in Gideon, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

First Commercial Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Commercial Bank in Gideon, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches