First Financial Bank of Southeast Missouri in Sikeston, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 30, 1997

First Financial Bank of Southeast Missouri in Sikeston, Missouri (MO)
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First Financial Bank of Southeast Missouri - Overview

General
FDIC Certificate #: 15396
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Planters Bank of Southeast Missouri (#26859)
Federal Reserve ID: 999757
Date Established: January 01, 1936
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
OTS Docket #: 10897
FDIC's unique #: 9714
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: June 29, 1936
Last Structure Change Effective Date: May 30, 1997
Last Structure Change Process Date: June 16, 1997
Last Data Update: June 16, 1997
Data Source Date: April 05, 2012
Location
Address: 1205 South Main Street, Sikeston, MO 63801
County: New Madrid
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Dallas
FDIC Field Office: St. Louis
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Financial Summary
Total assets: $90.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$34Total assets
$95,679Cash and due from depository institutions
$4,286Interest-bearing balances
$82Securities
$28,615Federal funds sold & reverse repurchase agreements
$7,775Net loans & leases
$50,806Loan loss allowance
$836Trading account assets
$0Bank premises and fixed assets
$2,194Other real estate owned
$0Goodwill and other intangibles
$2,003Life insurance assets
$0All other assets
$0Total liabilities and capital
$95,679Total liabilities
$88,784Total deposits
$87,663Interest-bearing deposits
$74,334Deposits held in domestic offices
87663.00%% insured (estimated)
$78Federal funds purchased & repurchase agreements
$60Trading liabilities
$0Other borrowed funds
$431Subordinated debt
$0All other liabilities
$630Total equity capital
$630Total bank equity capital
$6,895Perpetual preferred stock
$0Common stock
$421Surplus
$2,528Undivided profits
Memoranda
$3,946Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$38Income earned, not collected on loans
$1,124Earning assets
$87,278Long-term assets (5+ years)
$17,037Average Assets, year-to-date
$91,944Average Assets, quarterly
$94,644Volatile liabilities
$20,426Insider loans
$1,758FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,900Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,791Total risk weighted assets
$59,905Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$6,810Total interest expense
$3,297Net interest income
$3,513Provision for loan and lease losses
$180Total noninterest income
$467Fiduciary activities
$0Service charges on deposit accounts
$381Trading account gains & fees
$0Additional noninterest income
$86Total noninterest expense
$3,351Salaries and employee benefits
$1,301Premises and equipment expense
$1,056Additional noninterest expense
$994Pre-tax net operating income
$449Securities gains (losses)
-$15Applicable income taxes
$231Income before extraordinary items
$203Extraordinary gains - net
$0Net income attributable to bank
$203Net charge-offs
$13Cash dividends
$633Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.07%Cost of funding earning assets
3.91%Net interest margin
4.16%Noninterest income to earning assets
0.55%Noninterest expense to earning assets
3.97%Net operating income to assets
0.23%Return on assets (ROA)
0.22%Pretax return on assets
0.47%Return on equity (ROE)
3.10%Retained earnings to average equity (YTD only)
-6.56%Net charge-offs to loans
0.02%Credit loss provision to net charge-offs
1384.62%Efficiency ratio
84,196Assets per employee
2.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
311.82%Loss allowance to loans
1.62%Loss allowance to noncurrent loans
2200.00%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.07%Net loans and leases to deposits
57.96%Net loans and leases to core deposits
75.50%Equity capital to assets
7.21%Core capital (leverage) ratio
7.43%Tier 1 risk-based capital ratio
11.34%Total risk-based capital ratio
Memoranda
$13Average assets
$91,944Average earning assets
$6,553Average equity
$84,352Average loans

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