First Missouri State Bank of Cape County in Cape Girardeau, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Missouri State Bank of Cape County in Cape Girardeau, Missouri (MO)
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First Missouri State Bank of Cape County - Overview

  • General
  • FDIC Certificate #: 58230
    Status: Active
    Federal Reserve ID: 3383665
    Bank Holding Company (Regulatory Top Holder): Fms Bancorp, Inc. (RSSDID: 1491463, Location: Poplar Bluff, MO)
    Date Established: June 30, 2006
    WWW: http://www.wherefirstmeansmore.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 443931
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 30, 2006
    Last Structure Change Effective Date: July 03, 2007
    Last Structure Change Process Date: July 03, 2007
    Last Data Update: July 03, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 South Mount Auburn Road, Cape Girardeau, MO 63703
    County: Cape Girardeau
    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
    Combined Statistical Area (CSA): Cape Girardeau-Sikeston-Jackson, MO-IL (#164)
    Core Based Statistical Area (CBSA): Cape Girardeau-Jackson, MO-IL (#16020)
    CBSA Metro Statistical Area: Cape Girardeau-Jackson, MO-IL (#16020)
  • Financial Summary
  • Total assets: $118.4 mil
    Equity capital: $10.2 mil
    Deposits held in domestic offices: $100.2 mil
    Return on assets (ROA): 1.01% ($1.2 mil)
    Quarterly return on assets: 1.10% ($1.3 mil)
    Return on Equity (ROE): 11.42% ($1.1 mil)
    Quarterly return on equity: 12.64% ($1.3 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.59% ($1,882.6 mil)
    Quarterly Pretax return on assets: 1.70% ($2,012.9 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
  • 28Total employees (full-time equivalent)
  • $118,405Total assets
  • $6,403Cash and due from depository institutions
  • $5,321Interest-bearing balances
  • $8,415Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $97,678Net loans & leases
  • $1,659Loan loss allowance
  • $0Trading account assets
  • $4,404Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $118,405Life insurance assets
  • $1,505All other assets
  • $108,238Total liabilities and capital
  • $100,211Total liabilities
  • $89,827Total deposits
  • $100,211Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 2907.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $120Subordinated debt
  • $10,167All other liabilities
  • $10,167Total equity capital
  • $10,167Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $6,750Surplus
  • $2,817Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $250Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $874Income earned, not collected on loans
  • $0Earning assets
  • $457Long-term assets (5+ years)
  • $111,414Average Assets, year-to-date
  • $17,441Average Assets, quarterly
  • $111,942Volatile liabilities
  • $117,190Insider loans
  • $89,981FHLB advances
  • $117,734Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,938Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,838Restructured Loans and leases
  • $91Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,549Total interest income
  • $1,057Total interest expense
  • $4,492Net interest income
  • $282Provision for loan and lease losses
  • $387Total noninterest income
  • $0Fiduciary activities
  • $99Service charges on deposit accounts
  • $0Trading account gains & fees
  • $288Additional noninterest income
  • $2,871Total noninterest expense
  • $1,589Salaries and employee benefits
  • $447Premises and equipment expense
  • $835Additional noninterest expense
  • $1,726Pre-tax net operating income
  • $57Securities gains (losses)
  • $651Applicable income taxes
  • $1,132Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,132Net income attributable to bank
  • $0Net charge-offs
  • $1,132Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $642Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 11.42%Return on equity (ROE)
  • 4.94%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 14100.00%Credit loss provision to net charge-offs
  • 1004.00%Efficiency ratio
  • 58,844Assets per employee
  • 4.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.71%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 189.82%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 97.47%Net loans and leases to core deposits
  • 107.35%Equity capital to assets
  • 8.59%Core capital (leverage) ratio
  • 8.44%Tier 1 risk-based capital ratio
  • 11.04%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $111,942Average earning assets
  • $9,910Average equity
  • $105,890Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0443931First Missouri State Bank Of Cape Co2 South Mount Auburn Road, Cape Girardeau, MO 63703June 30, 2006Full Service Brick and Mortar
    3419614Jackson Branch1846 East Jackson Boulevard, Jackson, MO 63755November 12, 2002Full Service Brick and Mortar
    4441074Chateau Girardeau Office3120 Independence Building, Suite 113, Cape Girardeau, MO 63703May 12, 2003Full Service Brick and Mortar
    5521343First Missouri State Bank Of Cape Co800 North Kingshighway, Cape Girardeau, MO 63701July 13, 2011Full Service Brick and Mortar

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