First Missouri State Bank of Cape County in city_name, state_name

First Missouri State Bank of Cape County in Cape Girardeau, Missouri (MO)
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First Missouri State Bank of Cape County routing number info

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

No	ID	Name	Address	Established	Service Type
0	443931	First Missouri State Bank Of Cape Co	2 South Mount Auburn Road, Cape Girardeau, MO 63703	June 30, 2006	Full Service Brick and Mortar
3	419614	Jackson Branch	1846 East Jackson Boulevard, Jackson, MO 63755	November 12, 2002	Full Service Brick and Mortar
4	441074	Chateau Girardeau Office	3120 Independence Building, Suite 113, Cape Girardeau, MO 63703	May 12, 2003	Full Service Brick and Mortar
5	521343	First Missouri State Bank Of Cape Co	800 North Kingshighway, Cape Girardeau, MO 63701	July 13, 2011	Full Service Brick and Mortar

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 - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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 - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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