First Community National Bank in Cuba, Missouri (MO)



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First Community National Bank
GeneralFDIC Certificate #: 1639
Status: Active
Federal Reserve ID: 619859
Bank Holding Company (Regulatory Top Holder): Steelville Community Banc-Shares, Inc. (RSSDID: 1096037, Location: Steelville, MO)
Date Established: January 01, 1906
WWW: http://www.fcnbanks.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 11499
FDIC's unique #: 1075
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
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
LocationAddress: 407 North Franklin, Cuba, MO 65453
County: Crawford
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $222.0 mil
Equity capital: $18.6 mil
Deposits held in domestic offices: $175.9 mil
Return on assets (ROA): 1.17% ($2.6 mil)
Quarterly return on assets: 0.80% ($1.8 mil)
Return on Equity (ROE): 14.71% ($2.8 mil)
Quarterly return on equity: 9.52% ($1.8 mil)
Net income: $2.7 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.17% ($2,597.7 mil)
Quarterly Pretax return on assets: 0.80% ($1,776.2 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)
Total employees (full-time equivalent)80
Total assets$222,029
Cash and due from depository institutions$24,065
Interest-bearing balances$17,958
Securities$38,633
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$142,067
Loan loss allowance $3,818
Trading account assets$0
Bank premises and fixed assets$8,574
Other real estate owned$905
Goodwill and other intangibles$0
All other assets$7,785
Life insurance assets$222,029
Total liabilities and capital$203,395
Total liabilities$175,920
Total deposits$158,323
Interest-bearing deposits$175,920
Deposits held in domestic offices$83
% insured (estimated)2449.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$24,300
Other borrowed funds $0
Subordinated debt $726
All other liabilities $18,634
Total equity capital$18,634
Total bank equity capital$18,634
Perpetual preferred stock$0
Common stock$300
Surplus$500
Undivided profits $17,834
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $54
Income earned, not collected on loans $2,714
Earning assets $0
Long-term assets (5+ years) $863
Average Assets, year-to-date $198,658
Average Assets, quarterly $70,589
Volatile liabilities $227,664
Insider loans $221,517
FHLB advances $126,960
Loans and leases held for sale $216,841
Unused loan commitments $3,490
Tier 1 (core) risk-based capital $1,747
Tier 2 risk-based capital $18,426
Total risk weighted assets $0
Total unused commitments $1,743
Restructured Loans and leases $7,472
Derivatives$1,321
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,572
Total interest expense $3,630
Net interest income $7,942
Provision for loan and lease losses $1,206
Total noninterest income $3,073
Fiduciary activities $0
Service charges on deposit accounts $1,262
Trading account gains & fees $0
Additional noninterest income $1,811
Total noninterest expense $7,291
Salaries and employee benefits $3,734
Premises and equipment expense $1,349
Additional noninterest expense $2,208
Pre-tax net operating income $2,518
Securities gains (losses) $154
Applicable income taxes $0
Income before extraordinary items $2,672
Extraordinary gains - net $0
Net income attributable to bank $2,672
Net charge-offs $0
Cash dividends $2,672
Sale, conversion, retirement of capital stock, net $1,151
Net operating income $2,275
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.66%
Cost of funding earning assets 1.77%
Net interest margin 3.88%
Noninterest income to earning assets 1.50%
Noninterest expense to earning assets 3.56%
Net operating income to assets 1.11%
Return on assets (ROA) 1.17%
Pretax return on assets 1.17%
Return on equity (ROE) 14.71%
Retained earnings to average equity (YTD only) 2.19%
Net charge-offs to loans 0.76%
Credit loss provision to net charge-offs 104.78%
Efficiency ratio3.24%
Assets per employee$66,192
Cash dividends to net income (YTD only)2.78%
Condition Ratios (%)
Loss allowance to loans 85.14%
Loss allowance to noncurrent loans 2.62%
Noncurrent assets plus other real estate owned to assets 140.68%
Noncurrent loans to loans 1.63%
Net loans and leases to deposits1.86%
Net loans and leases to core deposits 80.76%
Equity capital to assets 97.19%
Core capital (leverage) ratio 8.39%
Tier 1 risk-based capital ratio 8.50%
Total risk-based capital ratio 14.51%
Memoranda
Average assets$16
Average earning assets$227,664
Average equity $18,165
Average loans $204,520
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7 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01075First Community National Bank407 North Franklin, Cuba, MO 65453January 01, 1906Full Service Brick and Mortar
1189932Steelville Branch402 West Main Street, Steelville, MO 65565December 17, 1984Full Service Brick and Mortar
2270759Sullivan Branch#1 First Community Plaza, Sullivan, MO 63080January 01, 1933Full Service Brick and Mortar
3189933Vienna BranchHighway 63 South, Vienna, MO 65582November 07, 1997Full Service Brick and Mortar
4360446North Bishop Avenue Branch2323 North Bishop Avenue, Rolla, MO 65401May 29, 2001Full Service Brick and Mortar
5442235Eureka Branch450 Meramac Boulevard, Eureka, MO 63025June 20, 2005Full Service Brick and Mortar
6465517Bishop Branch212 South Bishop Avenue, Rolla, MO 65401January 05, 2007Full Service Brick and Mortar
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