First National Bank in city_name, state_name - Detailed Financial Reports, Location

First National Bank in Malden, Missouri (MO)
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First National Bank - Overview

General
FDIC Certificate #: 19349
Status: Active
Federal Reserve ID: 991359
Bank Holding Company (Regulatory Top Holder): First Malden Bancshares, Inc. (RSSDID: 1491445, Location: Malden, MO)
Date Established: January 18, 1965
WWW: http://www.1fnb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 14765
FDIC's unique #: 13159
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 18, 1965
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: Broadwater Road And Highway 25, North, Malden, MO 63863
County: Dunklin
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): Kennett, MO (#28380)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $186.0 mil
Equity capital: $12.2 mil
Deposits held in domestic offices: $167.5 mil
Return on assets (ROA): 0.86% ($1.6 mil)
Quarterly return on assets: 0.92% ($1.7 mil)
Return on Equity (ROE): 11.09% ($1.3 mil)
Quarterly return on equity: 12.39% ($1.5 mil)
Net income: $1.3 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.35% ($2,510.6 mil)
Quarterly Pretax return on assets: 1.45% ($2,696.6 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
48Total employees (full-time equivalent)
$185,972Total assets
$54,432Cash and due from depository institutions
$53,064Interest-bearing balances
$9,689Securities
$0Federal funds sold & reverse repurchase agreements
$116,046Net loans & leases
$1,217Loan loss allowance
$0Trading account assets
$2,373Bank premises and fixed assets
$415Other real estate owned
$0Goodwill and other intangibles
$185,972Life insurance assets
$3,017All other assets
$173,769Total liabilities and capital
$167,523Total liabilities
$130,468Total deposits
$167,523Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,000Trading liabilities
$0Other borrowed funds
$246Subordinated debt
$12,203All other liabilities
$12,203Total equity capital
$12,203Total bank equity capital
$0Perpetual preferred stock
$525Common stock
$5,309Surplus
$6,369Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$380Income earned, not collected on loans
$28Earning assets
$1,320Long-term assets (5+ years)
$178,799Average Assets, year-to-date
$47,417Average Assets, quarterly
$156,998Volatile liabilities
$167,454Insider loans
$105,026FHLB advances
$188,034Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,147Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,015Restructured Loans and leases
$2,300Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,346Total interest income
$1,770Total interest expense
$5,576Net interest income
$210Provision for loan and lease losses
$660Total noninterest income
$0Fiduciary activities
$418Service charges on deposit accounts
$0Trading account gains & fees
$242Additional noninterest income
$3,910Total noninterest expense
$2,062Salaries and employee benefits
$516Premises and equipment expense
$1,332Additional noninterest expense
$2,116Pre-tax net operating income
$0Securities gains (losses)
$773Applicable income taxes
$1,343Income before extraordinary items
$0Extraordinary gains - net
$1,343Net income attributable to bank
$0Net charge-offs
$1,343Cash dividends
$167Sale, conversion, retirement of capital stock, net
$825Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.90%Yield on earning assets
1.18%Cost of funding earning assets
3.72%Net interest margin
0.44%Noninterest income to earning assets
2.61%Noninterest expense to earning assets
0.86%Net operating income to assets
0.86%Return on assets (ROA)
1.35%Pretax return on assets
11.09%Return on equity (ROE)
4.28%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
125.75%Credit loss provision to net charge-offs
13.93%Efficiency ratio
62,700Assets per employee
3.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.43%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
320.26%Noncurrent assets plus other real estate owned to assets
0.43%Noncurrent loans to loans
0.32%Net loans and leases to deposits
69.27%Net loans and leases to core deposits
74.18%Equity capital to assets
6.56%Core capital (leverage) ratio
6.46%Tier 1 risk-based capital ratio
11.57%Total risk-based capital ratio
Memoranda
$13Average assets
$156,998Average earning assets
$12,106Average equity
$149,807Average loans

List of branches

4 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	13159	First National Bank	Broadwater Road And Highway 25, North, Malden, MO 63863	January 18, 1965	Full Service Brick and Mortar
2	247997	Clarkton Facility	Highway 162, Clarkton, MO 63837	June 07, 1982	Limited Service Facility
3	247998	Dexter Branch	310 North Walnut, Dexter, MO 63841	August 17, 1998	Full Service Brick and Mortar
4	363653	Kennett Branch	500 Independence, Kennett, MO 63857	April 15, 2002	Full Service Brick and Mortar

First National Bank in Malden, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - 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 National Bank in Malden, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - 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 National Bank in Malden, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches