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

First Community Bank in Lees Summit, Missouri (MO), KS
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First Community Bank - Overview

General
FDIC Certificate #: 14023
Status: Active
Federal Reserve ID: 735852
Bank Holding Company (Regulatory Top Holder): First Community Bancshares, Inc. (RSSDID: 1983977, Location: Overland Park, KS)
Date Established: January 01, 1869
WWW: http://www.fcbankonline.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 18 (Domestic: 18, Interstate: Yes)
OTS Docket #: 12379
FDIC's unique #: 8764
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: March 08, 1934
Last Structure Change Effective Date: August 12, 2010
Last Structure Change Process Date: August 12, 2010
Last Data Update: August 12, 2010
Data Source Date: April 05, 2012
Location
Address: 301 S. E. Main Street, Lees Summit, MO 64063
County: Jackson
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $638.3 mil
Equity capital: $53.1 mil
Deposits held in domestic offices: $567.3 mil
Return on assets (ROA): 0.38% ($2.4 mil)
Quarterly return on assets: 0.42% ($2.7 mil)
Return on Equity (ROE): 4.78% ($2.5 mil)
Quarterly return on equity: 5.08% ($2.7 mil)
Net income: $2.4 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 0.58% ($3,702.1 mil)
Quarterly Pretax return on assets: 0.65% ($4,148.9 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
195Total employees (full-time equivalent)
$638,293Total assets
$74,623Cash and due from depository institutions
$60,568Interest-bearing balances
$49,949Securities
$10,746Federal funds sold & reverse repurchase agreements
$451,360Net loans & leases
$9,666Loan loss allowance
$0Trading account assets
$28,111Bank premises and fixed assets
$6,204Other real estate owned
$143Goodwill and other intangibles
$638,293Life insurance assets
$17,157All other assets
$585,229Total liabilities and capital
$567,311Total liabilities
$500,921Total deposits
$567,311Interest-bearing deposits
$86Deposits held in domestic offices
4978.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$10,000Other borrowed funds
$2,940Subordinated debt
$53,064All other liabilities
$53,064Total equity capital
$53,064Total bank equity capital
$0Perpetual preferred stock
$510Common stock
$40,094Surplus
$12,460Undivided profits
Memoranda
$0Noncurrent loans and leases
$14,103Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$15,096Income earned, not collected on loans
$338Earning assets
$2,431Long-term assets (5+ years)
$572,623Average Assets, year-to-date
$80,749Average Assets, quarterly
$632,533Volatile liabilities
$632,597Insider loans
$453,221FHLB advances
$627,988Loans and leases held for sale
$7,175Unused loan commitments
$5,284Tier 1 (core) risk-based capital
$52,310Tier 2 risk-based capital
$0Total risk weighted assets
$1,891Total unused commitments
$48,245Restructured Loans and leases
$195Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$30,690Total interest income
$9,615Total interest expense
$21,075Net interest income
$3,290Provision for loan and lease losses
$9,192Total noninterest income
$0Fiduciary activities
$3,840Service charges on deposit accounts
$0Trading account gains & fees
$5,352Additional noninterest income
$23,847Total noninterest expense
$13,517Salaries and employee benefits
$3,020Premises and equipment expense
$7,310Additional noninterest expense
$3,130Pre-tax net operating income
$540Securities gains (losses)
$1,236Applicable income taxes
$2,434Income before extraordinary items
$0Extraordinary gains - net
$2,434Net income attributable to bank
$0Net charge-offs
$2,434Cash dividends
$4,131Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.40%Yield on earning assets
1.69%Cost of funding earning assets
3.71%Net interest margin
1.62%Noninterest income to earning assets
4.20%Noninterest expense to earning assets
0.33%Net operating income to assets
0.38%Return on assets (ROA)
0.58%Pretax return on assets
4.78%Return on equity (ROE)
4.78%Retained earnings to average equity (YTD only)
0.89%Net charge-offs to loans
79.64%Credit loss provision to net charge-offs
1.55%Efficiency ratio
78,696Assets per employee
3.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.10%Loss allowance to noncurrent loans
64.03%Noncurrent assets plus other real estate owned to assets
3.34%Noncurrent loans to loans
3.27%Net loans and leases to deposits
79.56%Net loans and leases to core deposits
91.33%Equity capital to assets
8.31%Core capital (leverage) ratio
8.33%Tier 1 risk-based capital ratio
11.54%Total risk-based capital ratio
Memoranda
$14Average assets
$632,533Average earning assets
$50,969Average equity
$568,048Average loans

List of branches

2 Kansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
22	11949	Overland Park Branch 83	9820 Metcalf, Suite 110, Overland Park, KS 66212	January 01, 1888	Full Service Brick and Mortar
23	450409	De Soto Branch 81	33485 Lexington, De Soto, KS 66018	March 03, 2006	Full Service Brick and Mortar

16 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8764	First Community Bank	301 S. E. Main Street, Lees Summit, MO 64063	January 01, 1869	Full Service Brick and Mortar
1	230836	Warrensburg Branch 40	1110 South Mitchell Street, Warrensburg, MO 64093	May 29, 1996	Full Service Brick and Mortar
5	219136	Windsor West Branch 20	504 West Benton, Windsor, MO 65360	September 21, 1994	Full Service Brick and Mortar
6	230838	Sedalia Branch 60	920 Thompson Boulevard, Sedalia, MO 65301	July 13, 1998	Full Service Brick and Mortar
7	1093	Sweet Springs Branch 30	300 South Miller Street, Sweet Springs, MO 65351	June 17, 1884	Full Service Brick and Mortar
8	230839	Knob Noster Branch 10	200 North State Street, Knob Noster, MO 65336	May 03, 1999	Full Service Brick and Mortar
10	230841	Warrensburg Mortgage Branch	1110 S. Mitchell, Warrensburg, MO 64093	June 30, 1999	Limited Service Loan Production
11	230842	Lee's Summit Mortgage Branch	301 Se Main St, Lees Summit, MO 64063	June 30, 1999	Limited Service Loan Production
13	360040	Warrensburg Branch 41	612 North Maguire, Warrensburg, MO 64093	September 01, 2000	Full Service Brick and Mortar
14	363199	Clinton Branch 85	615 East Ohio Street, Clinton, MO 64735	December 21, 2001	Full Service Brick and Mortar
16	418786	Higginsville Downtown Branch 35	1820 North Main, Higginsville, MO 64037	November 04, 2002	Full Service Brick and Mortar
17	418787	Warsaw Branch 65	1601 Commercial Street, Warsaw, MO 65355	November 04, 2002	Full Service Brick and Mortar
18	418862	Higginsville Hwy Branch 36	1919 North Highway 13, Higginsville, MO 64037	April 21, 2003	Full Service Brick and Mortar
19	428790	Warsaw Branch 66	100 East Main, Warsaw, MO 65355	April 19, 2004	Full Service Brick and Mortar
20	429572	Lee's Summit West Branch 51	1251 Oldham Pkwy, Lees Summit, MO 64081	June 22, 2004	Full Service Brick and Mortar
26	465420	Nkc-Tuileries Branch 55 Branch	6200 Nw 63rd Street, Kansas City, MO 64151	June 04, 2007	Full Service Brick and Mortar

First Community Bank in Lees Summit, Missouri (MO), KS
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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First Community Bank in Lees Summit, Missouri (MO), KSOverview, Financial Summary, Detailed Financial Reports, Branches

First Community 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 Community Bank in Lees Summit, Missouri (MO), KS
Overview, Financial Summary, Detailed Financial Reports, Branches