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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    06808First Commercial BankFirst And Main Streets, Gideon, MO 63848October 01, 1920Full Service Brick and Mortar
    1222795Beech Street Branch202 Beech Street, Morehouse, MO 63868January 02, 1989Full Service Brick and Mortar
    3222797Dexter Branch303 Market Street, Dexter, MO 63841October 26, 1998Full Service Brick and Mortar
    49824First Commercial Bank125 East Yoakum Street, Chaffee, MO 63740August 07, 1937Full Service Brick and Mortar
    5234467First Commercial Bank23134 State Highway 61, Morley, MO 63767November 15, 1974Full Service Brick and Mortar
    6359982Benton Branch52 West Missouri Street, Benton, MO 63736March 26, 2001Full Service Brick and Mortar
    7221236Advance Branch310 Ruth Street, Advance, MO 63730March 22, 1993Full Service Brick and Mortar
    8364282Bloomfield Branch505 Highway 25 South, Bloomfield, MO 63825July 22, 2002Full Service Brick and Mortar
    9466610Essex Branch101 Trotter Street, Essex, MO 63846June 30, 2007Full Service Brick and Mortar

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First Commercial Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents