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


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
  • 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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