First Community Bank-FCB in Sweet Springs, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 30, 1998

First Community Bank-FCB in Sweet Springs, Missouri (MO)
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First Community Bank-FCB - Overview

General
FDIC Certificate #: 1658
Status: Inactive
Closing history: Consolidated - Without Assistance
Acquiring institution: First Community Bank (#14023)
Federal Reserve ID: 212755
Date Established: June 17, 1884
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 10537
FDIC's unique #: 1093
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: December 30, 1998
Last Structure Change Process Date: Febuary 03, 1999
Last Data Update: Febuary 03, 1999
Data Source Date: April 05, 2012
Location
Address: 300 South Miller Street, Sweet Springs, MO 65351
County: Saline
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Columbia Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Marshall, MO (#32180)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $32.1 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
12Total employees (full-time equivalent)
$31,679Total assets
$1,771Cash and due from depository institutions
$8Interest-bearing balances
$6,389Securities
$850Federal funds sold & reverse repurchase agreements
$21,060Net loans & leases
$217Loan loss allowance
$0Trading account assets
$1,073Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$536All other assets
$31,679Total liabilities and capital
$29,211Total liabilities
$27,807Total deposits
$25,181Interest-bearing deposits
$27,807Deposits held in domestic offices
0.00%% insured (estimated)
$105Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,000Other borrowed funds
$0Subordinated debt
$299All other liabilities
$2,468Total equity capital
$2,468Total bank equity capital
$2,468Perpetual preferred stock
$0Common stock
$200Surplus
$400Undivided profits
Memoranda
$1,868Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$16Earning assets
$0Long-term assets (5+ years)
$292Average Assets, year-to-date
$28,307Average Assets, quarterly
$1,626Volatile liabilities
$31,015Insider loans
$31,429FHLB advances
$3,953Loans and leases held for sale
$582Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,790Total unused commitments
$0Restructured Loans and leases
$22,603Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$2,394Total interest income
$1,207Total interest expense
$1,187Net interest income
$14Provision for loan and lease losses
$247Total noninterest income
$0Fiduciary activities
$142Service charges on deposit accounts
$0Trading account gains & fees
$105Additional noninterest income
$806Total noninterest expense
$379Salaries and employee benefits
$150Premises and equipment expense
$277Additional noninterest expense
$614Pre-tax net operating income
-$9Securities gains (losses)
$173Applicable income taxes
$432Income before extraordinary items
$0Extraordinary gains - net
$432Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$8Sale, conversion, retirement of capital stock, net
$286Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.38%Yield on earning assets
4.22%Cost of funding earning assets
4.15%Net interest margin
0.86%Noninterest income to earning assets
2.82%Noninterest expense to earning assets
1.41%Net operating income to assets
1.39%Return on assets (ROA)
1.95%Pretax return on assets
18.07%Return on equity (ROE)
6.11%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
175.00%Credit loss provision to net charge-offs
78.50%Efficiency ratio
56,206Assets per employee
2.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
66.20%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
1356.25%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.08%Net loans and leases to deposits
75.74%Net loans and leases to core deposits
84.38%Equity capital to assets
7.79%Core capital (leverage) ratio
7.77%Tier 1 risk-based capital ratio
10.71%Total risk-based capital ratio
Memoranda
$12Average assets
$31,015Average earning assets
$2,390Average equity
$28,581Average loans

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