First Community National Bank in city_name, state_name - Detailed Financial Reports, Location

First Community National Bank in Cuba, Missouri (MO)
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First Community National Bank routing number info

First Community National Bank - Overview

General
FDIC 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
Location
Address: 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 Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total 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
80Total employees (full-time equivalent)
$222,029Total assets
$24,065Cash and due from depository institutions
$17,958Interest-bearing balances
$38,633Securities
$0Federal funds sold & reverse repurchase agreements
$142,067Net loans & leases
$3,818Loan loss allowance
$0Trading account assets
$8,574Bank premises and fixed assets
$905Other real estate owned
$0Goodwill and other intangibles
$222,029Life insurance assets
$7,785All other assets
$203,395Total liabilities and capital
$175,920Total liabilities
$158,323Total deposits
$175,920Interest-bearing deposits
$83Deposits held in domestic offices
2449.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$24,300Trading liabilities
$0Other borrowed funds
$726Subordinated debt
$18,634All other liabilities
$18,634Total equity capital
$18,634Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$500Surplus
$17,834Undivided profits
Memoranda
$0Noncurrent loans and leases
$54Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,714Income earned, not collected on loans
$0Earning assets
$863Long-term assets (5+ years)
$198,658Average Assets, year-to-date
$70,589Average Assets, quarterly
$227,664Volatile liabilities
$221,517Insider loans
$126,960FHLB advances
$216,841Loans and leases held for sale
$3,490Unused loan commitments
$1,747Tier 1 (core) risk-based capital
$18,426Tier 2 risk-based capital
$0Total risk weighted assets
$1,743Total unused commitments
$7,472Restructured Loans and leases
$1,321Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,572Total interest income
$3,630Total interest expense
$7,942Net interest income
$1,206Provision for loan and lease losses
$3,073Total noninterest income
$0Fiduciary activities
$1,262Service charges on deposit accounts
$0Trading account gains & fees
$1,811Additional noninterest income
$7,291Total noninterest expense
$3,734Salaries and employee benefits
$1,349Premises and equipment expense
$2,208Additional noninterest expense
$2,518Pre-tax net operating income
$154Securities gains (losses)
$0Applicable income taxes
$2,672Income before extraordinary items
$0Extraordinary gains - net
$2,672Net income attributable to bank
$0Net charge-offs
$2,672Cash dividends
$1,151Sale, conversion, retirement of capital stock, net
$2,275Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.66%Yield on earning assets
1.77%Cost of funding earning assets
3.88%Net interest margin
1.50%Noninterest income to earning assets
3.56%Noninterest expense to earning assets
1.11%Net operating income to assets
1.17%Return on assets (ROA)
1.17%Pretax return on assets
14.71%Return on equity (ROE)
2.19%Retained earnings to average equity (YTD only)
0.76%Net charge-offs to loans
104.78%Credit loss provision to net charge-offs
3.24%Efficiency ratio
66,192Assets per employee
2.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
85.14%Loss allowance to loans
2.62%Loss allowance to noncurrent loans
140.68%Noncurrent assets plus other real estate owned to assets
1.63%Noncurrent loans to loans
1.86%Net loans and leases to deposits
80.76%Net loans and leases to core deposits
97.19%Equity capital to assets
8.39%Core capital (leverage) ratio
8.50%Tier 1 risk-based capital ratio
14.51%Total risk-based capital ratio
Memoranda
$16Average assets
$227,664Average earning assets
$18,165Average equity
$204,520Average loans

List of branches

7 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1075	First Community National Bank	407 North Franklin, Cuba, MO 65453	January 01, 1906	Full Service Brick and Mortar
1	189932	Steelville Branch	402 West Main Street, Steelville, MO 65565	December 17, 1984	Full Service Brick and Mortar
2	270759	Sullivan Branch	#1 First Community Plaza, Sullivan, MO 63080	January 01, 1933	Full Service Brick and Mortar
3	189933	Vienna Branch	Highway 63 South, Vienna, MO 65582	November 07, 1997	Full Service Brick and Mortar
4	360446	North Bishop Avenue Branch	2323 North Bishop Avenue, Rolla, MO 65401	May 29, 2001	Full Service Brick and Mortar
5	442235	Eureka Branch	450 Meramac Boulevard, Eureka, MO 63025	June 20, 2005	Full Service Brick and Mortar
6	465517	Bishop Branch	212 South Bishop Avenue, Rolla, MO 65401	January 05, 2007	Full Service Brick and Mortar

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

First Community National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First Community National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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