First Commercial Bank of Southeast Missouri in Chaffee, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 2002

  • First Commercial Bank of Southeast Missouri in Chaffee, Missouri (MO)
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First Commercial Bank of Southeast Missouri - Overview

  • General
  • FDIC Certificate #: 15528
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Commercial Bank (#10621)
    Federal Reserve ID: 496041
    Date Established: August 07, 1937
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 9824
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 21, 1937
    Last Structure Change Effective Date: July 01, 2002
    Last Structure Change Process Date: July 29, 2002
    Last Data Update: July 29, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 125 East Yoakum Street, Chaffee, MO 63740
    County: Scott
    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
    Combined Statistical Area (CSA): Cape Girardeau-Sikeston-Jackson, MO-IL (#164)
    Core Based Statistical Area (CBSA): Sikeston, MO (#43460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $48.3 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, 2001)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $44,117Total assets
  • $1,989Cash and due from depository institutions
  • $0Interest-bearing balances
  • $8,255Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $30,391Net loans & leases
  • $305Loan loss allowance
  • $0Trading account assets
  • $1,356Bank premises and fixed assets
  • $60Other real estate owned
  • $1,438Goodwill and other intangibles
  • $0Life insurance assets
  • $628All other assets
  • $44,117Total liabilities and capital
  • $39,910Total liabilities
  • $37,613Total deposits
  • $32,503Interest-bearing deposits
  • $37,613Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $500Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,568Other borrowed funds
  • $0Subordinated debt
  • $229All other liabilities
  • $4,207Total equity capital
  • $4,207Total bank equity capital
  • $4,207Perpetual preferred stock
  • $0Common stock
  • $150Surplus
  • $3,911Undivided profits
  • Memoranda
  • $146Noncurrent loans and leases
  • $4,269Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $252Earning assets
  • $0Long-term assets (5+ years)
  • $330Average Assets, year-to-date
  • $38,646Average Assets, quarterly
  • $3,243Volatile liabilities
  • $39,548Insider loans
  • $43,085FHLB advances
  • $6,498Loans and leases held for sale
  • $0Unused loan commitments
  • $1,568Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,269Total unused commitments
  • $0Restructured Loans and leases
  • $305Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $2,591Total interest income
  • $1,379Total interest expense
  • $1,212Net interest income
  • $63Provision for loan and lease losses
  • $334Total noninterest income
  • $0Fiduciary activities
  • $308Service charges on deposit accounts
  • $0Trading account gains & fees
  • $26Additional noninterest income
  • $1,267Total noninterest expense
  • $595Salaries and employee benefits
  • $193Premises and equipment expense
  • $479Additional noninterest expense
  • $216Pre-tax net operating income
  • $68Securities gains (losses)
  • $81Applicable income taxes
  • $203Income before extraordinary items
  • $0Extraordinary gains - net
  • $203Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $347Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.36%Yield on earning assets
  • 3.92%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.60%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 4.77%Return on equity (ROE)
  • -3.38%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 630.00%Credit loss provision to net charge-offs
  • 27.90%Efficiency ratio
  • 78,008Assets per employee
  • 1.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 170.94%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 121.03%Noncurrent assets plus other real estate owned to assets
  • 0.71%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 80.80%Net loans and leases to core deposits
  • 95.92%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 6.53%Tier 1 risk-based capital ratio
  • 8.31%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $39,548Average earning assets
  • $4,256Average equity
  • $35,222Average loans

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