First Missouri State Bank in Poplar Bluff, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Missouri State Bank in Poplar Bluff, Missouri (MO)
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First Missouri State Bank - Overview

  • General
  • FDIC Certificate #: 8282
    Status: Active
    Federal Reserve ID: 825454
    Bank Holding Company (Regulatory Top Holder): Fms Bancorp, Inc. (RSSDID: 1491463, Location: Poplar Bluff, MO)
    Date Established: January 01, 1912
    WWW: http://www.firstmissouristatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 5283
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural 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: 1902 Sunset Drive, Poplar Bluff, MO 63901
    County: Butler
    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
    Core Based Statistical Area (CBSA): Poplar Bluff, MO (#38740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $153.1 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $130.4 mil
    Return on assets (ROA): 1.14% ($1.7 mil)
    Quarterly return on assets: 1.07% ($1.6 mil)
    Return on Equity (ROE): 11.90% ($1.8 mil)
    Quarterly return on equity: 10.99% ($1.6 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.79% ($2,740.3 mil)
    Quarterly Pretax return on assets: 1.78% ($2,725.0 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
  • 30Total employees (full-time equivalent)
  • $153,088Total assets
  • $12,462Cash and due from depository institutions
  • $10,572Interest-bearing balances
  • $10,177Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $124,183Net loans & leases
  • $2,262Loan loss allowance
  • $0Trading account assets
  • $1,921Bank premises and fixed assets
  • $701Other real estate owned
  • $0Goodwill and other intangibles
  • $153,088Life insurance assets
  • $3,644All other assets
  • $138,122Total liabilities and capital
  • $130,428Total liabilities
  • $118,358Total deposits
  • $130,428Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 2517.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $177Subordinated debt
  • $14,966All other liabilities
  • $14,966Total equity capital
  • $14,966Total bank equity capital
  • $0Perpetual preferred stock
  • $446Common stock
  • $1,249Surplus
  • $13,271Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,638Income earned, not collected on loans
  • $0Earning assets
  • $1,528Long-term assets (5+ years)
  • $144,932Average Assets, year-to-date
  • $26,435Average Assets, quarterly
  • $152,178Volatile liabilities
  • $152,994Insider loans
  • $113,289FHLB advances
  • $155,975Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,840Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,783Restructured Loans and leases
  • $479Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,935Total interest income
  • $2,062Total interest expense
  • $5,873Net interest income
  • $600Provision for loan and lease losses
  • $425Total noninterest income
  • $0Fiduciary activities
  • $218Service charges on deposit accounts
  • $0Trading account gains & fees
  • $207Additional noninterest income
  • $2,976Total noninterest expense
  • $1,711Salaries and employee benefits
  • $349Premises and equipment expense
  • $916Additional noninterest expense
  • $2,722Pre-tax net operating income
  • $0Securities gains (losses)
  • $985Applicable income taxes
  • $1,737Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,737Net income attributable to bank
  • $0Net charge-offs
  • $1,737Cash dividends
  • $529Sale, conversion, retirement of capital stock, net
  • $1,020Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.06%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 11.90%Return on equity (ROE)
  • 4.91%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 113.42%Credit loss provision to net charge-offs
  • 6.28%Efficiency ratio
  • 47,253Assets per employee
  • 5.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.72%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 138.10%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 1.30%Net loans and leases to deposits
  • 95.21%Net loans and leases to core deposits
  • 98.14%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 9.51%Tier 1 risk-based capital ratio
  • 13.10%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $152,178Average earning assets
  • $14,601Average equity
  • $144,128Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05283First Missouri State Bank1902 Sunset Drive, Poplar Bluff, MO 63901January 01, 1912Full Service Brick and Mortar
    1218245Fisk FacilitySecond And Dale Streets, Fisk, MO 63940December 31, 1986Full Service Brick and Mortar

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