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

  • First Community Bank, Missouri in Poplar Bluff, Missouri (MO)
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First Community Bank, Missouri - Overview

  • General
  • FDIC Certificate #: 16207
    Status: Active
    Federal Reserve ID: 947842
    Bank Holding Company (Regulatory Top Holder): Bootheel Bancorp, Inc. (RSSDID: 1119329, Location: Poplar Bluff, MO)
    Date Established: October 24, 1944
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12125
    FDIC's unique #: 10408
    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: November 01, 1944
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2911 North Westwood Boulevard, Poplar Bluff, MO 63901
    County: Butler
    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
    Core Based Statistical Area (CBSA): Poplar Bluff, MO (#38740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $259.1 mil
    Equity capital: $21.8 mil
    Deposits held in domestic offices: $229.5 mil
    Return on assets (ROA): 0.96% ($2.5 mil)
    Quarterly return on assets: 0.65% ($1.7 mil)
    Return on Equity (ROE): 11.22% ($2.5 mil)
    Quarterly return on equity: 7.48% ($1.6 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.93% ($2,410.0 mil)
    Quarterly Pretax return on assets: 0.45% ($1,166.1 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
  • 99Total employees (full-time equivalent)
  • $259,135Total assets
  • $24,416Cash and due from depository institutions
  • $18,547Interest-bearing balances
  • $76,117Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $142,680Net loans & leases
  • $1,596Loan loss allowance
  • $0Trading account assets
  • $5,817Bank premises and fixed assets
  • $2,103Other real estate owned
  • $847Goodwill and other intangibles
  • $259,135Life insurance assets
  • $7,155All other assets
  • $237,314Total liabilities and capital
  • $229,544Total liabilities
  • $201,191Total deposits
  • $229,544Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 6447.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $700Trading liabilities
  • $0Other borrowed funds
  • $623Subordinated debt
  • $21,821All other liabilities
  • $21,821Total equity capital
  • $21,821Total bank equity capital
  • $0Perpetual preferred stock
  • $160Common stock
  • $2,990Surplus
  • $18,671Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $83Income earned, not collected on loans
  • $0Earning assets
  • $1,770Long-term assets (5+ years)
  • $237,344Average Assets, year-to-date
  • $84,572Average Assets, quarterly
  • $246,432Volatile liabilities
  • $251,050Insider loans
  • $161,352FHLB advances
  • $250,004Loans and leases held for sale
  • $132Unused loan commitments
  • $132Tier 1 (core) risk-based capital
  • $20,593Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $30,088Restructured Loans and leases
  • $915Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,785Total interest income
  • $1,717Total interest expense
  • $9,068Net interest income
  • $465Provision for loan and lease losses
  • $2,206Total noninterest income
  • $0Fiduciary activities
  • $1,231Service charges on deposit accounts
  • $0Trading account gains & fees
  • $975Additional noninterest income
  • $8,515Total noninterest expense
  • $4,728Salaries and employee benefits
  • $1,403Premises and equipment expense
  • $2,384Additional noninterest expense
  • $2,294Pre-tax net operating income
  • -$10Securities gains (losses)
  • -$78Applicable income taxes
  • $2,362Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,362Net income attributable to bank
  • $0Net charge-offs
  • $2,362Cash dividends
  • $370Sale, conversion, retirement of capital stock, net
  • $875Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.98%Noninterest income to earning assets
  • 3.79%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 11.22%Return on equity (ROE)
  • 7.06%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 125.68%Credit loss provision to net charge-offs
  • 7.46%Efficiency ratio
  • 74,818Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.04%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 1922.89%Noncurrent assets plus other real estate owned to assets
  • 0.84%Noncurrent loans to loans
  • 0.06%Net loans and leases to deposits
  • 62.16%Net loans and leases to core deposits
  • 67.45%Equity capital to assets
  • 8.42%Core capital (leverage) ratio
  • 8.24%Tier 1 risk-based capital ratio
  • 12.76%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $246,432Average earning assets
  • $21,054Average equity
  • $224,711Average loans

List of branches

  • 6 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010408First Community Bank, Missouri2911 North Westwood Boulevard, Poplar Bluff, MO 63901October 24, 1944Full Service Brick and Mortar
    26275Malden Facility1103 N Douglas, Malden, MO 63863January 01, 1903Full Service Brick and Mortar
    41081Campbell Facility110 West Grand Avenue, Campbell, MO 63933January 01, 1904Full Service Brick and Mortar
    6237606Poplar Bluff South Facility2340 South Broadway, Poplar Bluff, MO 63901December 15, 1993Full Service Brick and Mortar
    7237607Bernie Facility240 North Walnut Street, Bernie, MO 63822November 26, 1997Full Service Brick and Mortar
    9422917Cape Girandeau Branch17 South Mount Auburn Road, Cape Girardeau, MO 63702September 08, 2003Full Service Brick and Mortar

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