First Midwest Bank of Poplar Bluff in Poplar Bluff, Missouri (MO)



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Table of contents:
First Midwest Bank of Poplar Bluff
GeneralFDIC Certificate #: 19212
Status: Active
Federal Reserve ID: 228158
Bank Holding Company (Regulatory Top Holder): Poplar Bluff Banc Company (RSSDID: 2321594, Location: Poplar Bluff, MO)
Date Established: August 29, 1964
WWW: http://www.1midwest.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
FDIC's unique #: 13030
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 29, 1964
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: 704-706 Highway 67 North, 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $286.2 mil
Equity capital: $24.5 mil
Deposits held in domestic offices: $242.0 mil
Return on assets (ROA): 1.58% ($4.5 mil)
Quarterly return on assets: 1.17% ($3.3 mil)
Return on Equity (ROE): 17.65% ($4.2 mil)
Quarterly return on equity: 13.06% ($3.1 mil)
Net income: $4.3 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.58% ($4,521.9 mil)
Quarterly Pretax return on assets: 1.17% ($3,348.5 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)72
Total assets$286,194
Cash and due from depository institutions$22,696
Interest-bearing balances$16,638
Securities$33,746
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$217,382
Loan loss allowance $3,069
Trading account assets$0
Bank premises and fixed assets$4,761
Other real estate owned$1,457
Goodwill and other intangibles$0
All other assets$6,152
Life insurance assets$286,194
Total liabilities and capital$261,703
Total liabilities$242,007
Total deposits$210,686
Interest-bearing deposits$242,007
Deposits held in domestic offices$82
% insured (estimated)12779.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,659
Other borrowed funds $0
Subordinated debt $1,258
All other liabilities $24,491
Total equity capital$24,491
Total bank equity capital$24,491
Perpetual preferred stock$0
Common stock$770
Surplus$7,907
Undivided profits $15,814
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,987
Earning assets $0
Long-term assets (5+ years) $1,527
Average Assets, year-to-date $267,766
Average Assets, quarterly $32,422
Volatile liabilities $269,030
Insider loans $277,057
FHLB advances $207,943
Loans and leases held for sale $276,625
Unused loan commitments $2,936
Tier 1 (core) risk-based capital $1,295
Tier 2 risk-based capital $23,563
Total risk weighted assets $0
Total unused commitments $1,641
Restructured Loans and leases $21,868
Derivatives$8,542
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,001
Total interest expense $2,754
Net interest income $11,247
Provision for loan and lease losses $1,306
Total noninterest income $2,077
Fiduciary activities $0
Service charges on deposit accounts $1,073
Trading account gains & fees $0
Additional noninterest income $1,004
Total noninterest expense $7,758
Salaries and employee benefits $3,662
Premises and equipment expense $928
Additional noninterest expense $3,168
Pre-tax net operating income $4,260
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $4,260
Extraordinary gains - net $0
Net income attributable to bank $4,260
Net charge-offs $0
Cash dividends $4,260
Sale, conversion, retirement of capital stock, net $899
Net operating income $3,221
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.56%
Cost of funding earning assets 1.09%
Net interest margin 4.46%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 3.08%
Net operating income to assets 1.58%
Return on assets (ROA) 1.58%
Pretax return on assets 1.58%
Return on equity (ROE) 17.65%
Retained earnings to average equity (YTD only) 4.30%
Net charge-offs to loans 0.42%
Credit loss provision to net charge-offs 145.27%
Efficiency ratio6.19%
Assets per employee$58,226
Cash dividends to net income (YTD only)3.97%
Condition Ratios (%)
Loss allowance to loans 75.61%
Loss allowance to noncurrent loans 1.39%
Noncurrent assets plus other real estate owned to assets 61.54%
Noncurrent loans to loans 2.25%
Net loans and leases to deposits2.26%
Net loans and leases to core deposits 89.82%
Equity capital to assets 102.16%
Core capital (leverage) ratio 8.56%
Tier 1 risk-based capital ratio 8.52%
Total risk-based capital ratio 11.33%
Memoranda
Average assets$13
Average earning assets$269,030
Average equity $24,137
Average loans $251,966
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6 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
013030First Midwest Bank Of Poplar Bluff704-706 Highway 67 North, Poplar Bluff, MO 63901August 29, 1964Full Service Brick and Mortar
1247624East Facility220 East Pine Boulevard, Poplar Bluff, MO 63901December 20, 1978Full Service Brick and Mortar
211794Puxico Facility141 East Richardson Avenue, Puxico, MO 63960May 21, 1956Full Service Brick and Mortar
3247625Kroger Facility2770 North Westwood Boulevard, Poplar Bluff, MO 63901October 16, 1990Full Service Retail
4247626Wal-Mart Facility333 South Westwood, Poplar Bluff, MO 63901April 28, 1990Full Service Retail
5511456Columbia Banking Center Branch10 East Southampton Dr, Columbia, MO 65203August 16, 2010Full Service Brick and Mortar
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