First Community Bank in Windsor, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 01, 1998

First Community Bank in Windsor, Missouri (MO)
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First Community Bank - Overview

General
FDIC Certificate #: 8895
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Community Bank (#14023)
Federal Reserve ID: 17857
Date Established: Febuary 05, 1905
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 11815
FDIC's unique #: 5685
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: January 01, 1934
Last Structure Change Effective Date: May 01, 1998
Last Structure Change Process Date: June 10, 1998
Last Data Update: June 10, 1998
Data Source Date: April 05, 2012
Location
Address: 504 West Benton, Windsor, MO 65360
County: Pettis
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
Core Based Statistical Area (CBSA): Sedalia, MO (#42740)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $34.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
20Total employees (full-time equivalent)
$32,914Total assets
$1,153Cash and due from depository institutions
$20Interest-bearing balances
$6,028Securities
$2,200Federal funds sold & reverse repurchase agreements
$21,986Net loans & leases
$232Loan loss allowance
$0Trading account assets
$1,135Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$412All other assets
$32,914Total liabilities and capital
$30,352Total liabilities
$29,646Total deposits
$26,698Interest-bearing deposits
$29,646Deposits held in domestic offices
0.00%% insured (estimated)
$400Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$306All other liabilities
$2,562Total equity capital
$2,562Total bank equity capital
$2,562Perpetual preferred stock
$0Common stock
$60Surplus
$870Undivided profits
Memoranda
$1,632Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$19Earning assets
$0Long-term assets (5+ years)
$245Average Assets, year-to-date
$30,234Average Assets, quarterly
$678Volatile liabilities
$30,936Insider loans
$32,381FHLB advances
$3,303Loans and leases held for sale
$118Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,642Total unused commitments
$0Restructured Loans and leases
$20,766Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$2,460Total interest income
$1,186Total interest expense
$1,274Net interest income
$47Provision for loan and lease losses
$256Total noninterest income
$0Fiduciary activities
$229Service charges on deposit accounts
$0Trading account gains & fees
$27Additional noninterest income
$902Total noninterest expense
$434Salaries and employee benefits
$165Premises and equipment expense
$303Additional noninterest expense
$581Pre-tax net operating income
$0Securities gains (losses)
$181Applicable income taxes
$400Income before extraordinary items
$0Extraordinary gains - net
$400Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$3Sale, conversion, retirement of capital stock, net
$266Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.73%Yield on earning assets
4.21%Cost of funding earning assets
4.52%Net interest margin
0.91%Noninterest income to earning assets
3.20%Noninterest expense to earning assets
1.29%Net operating income to assets
1.29%Return on assets (ROA)
1.88%Pretax return on assets
16.07%Return on equity (ROE)
5.38%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
1566.67%Credit loss provision to net charge-offs
209.33%Efficiency ratio
58,954Assets per employee
1.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
66.50%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
1221.05%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.09%Net loans and leases to deposits
74.16%Net loans and leases to core deposits
82.21%Equity capital to assets
7.78%Core capital (leverage) ratio
7.79%Tier 1 risk-based capital ratio
12.30%Total risk-based capital ratio
Memoranda
$13Average assets
$30,936Average earning assets
$2,489Average equity
$28,178Average loans

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