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

  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    2211949Overland Park Branch 839820 Metcalf, Suite 110, Overland Park, KS 66212January 01, 1888Full Service Brick and Mortar
    23450409De Soto Branch 8133485 Lexington, De Soto, KS 66018March 03, 2006Full Service Brick and Mortar
  • 16 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08764First Community Bank301 S. E. Main Street, Lees Summit, MO 64063January 01, 1869Full Service Brick and Mortar
    1230836Warrensburg Branch 401110 South Mitchell Street, Warrensburg, MO 64093May 29, 1996Full Service Brick and Mortar
    5219136Windsor West Branch 20504 West Benton, Windsor, MO 65360September 21, 1994Full Service Brick and Mortar
    6230838Sedalia Branch 60920 Thompson Boulevard, Sedalia, MO 65301July 13, 1998Full Service Brick and Mortar
    71093Sweet Springs Branch 30300 South Miller Street, Sweet Springs, MO 65351June 17, 1884Full Service Brick and Mortar
    8230839Knob Noster Branch 10200 North State Street, Knob Noster, MO 65336May 03, 1999Full Service Brick and Mortar
    10230841Warrensburg Mortgage Branch1110 S. Mitchell, Warrensburg, MO 64093June 30, 1999Limited Service Loan Production
    11230842Lee's Summit Mortgage Branch301 Se Main St, Lees Summit, MO 64063June 30, 1999Limited Service Loan Production
    13360040Warrensburg Branch 41612 North Maguire, Warrensburg, MO 64093September 01, 2000Full Service Brick and Mortar
    14363199Clinton Branch 85615 East Ohio Street, Clinton, MO 64735December 21, 2001Full Service Brick and Mortar
    16418786Higginsville Downtown Branch 351820 North Main, Higginsville, MO 64037November 04, 2002Full Service Brick and Mortar
    17418787Warsaw Branch 651601 Commercial Street, Warsaw, MO 65355November 04, 2002Full Service Brick and Mortar
    18418862Higginsville Hwy Branch 361919 North Highway 13, Higginsville, MO 64037April 21, 2003Full Service Brick and Mortar
    19428790Warsaw Branch 66100 East Main, Warsaw, MO 65355April 19, 2004Full Service Brick and Mortar
    20429572Lee's Summit West Branch 511251 Oldham Pkwy, Lees Summit, MO 64081June 22, 2004Full Service Brick and Mortar
    26465420Nkc-Tuileries Branch 55 Branch6200 Nw 63rd Street, Kansas City, MO 64151June 04, 2007Full Service Brick and Mortar

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