First National Bank in Malden, Missouri (MO)

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First National Bank
GeneralFDIC 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
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)48
Total assets$185,972
Cash and due from depository institutions$54,432
Interest-bearing balances$53,064
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$116,046
Loan loss allowance $1,217
Trading account assets$0
Bank premises and fixed assets$2,373
Other real estate owned$415
Goodwill and other intangibles$0
All other assets$3,017
Life insurance assets$185,972
Total liabilities and capital$173,769
Total liabilities$167,523
Total deposits$130,468
Interest-bearing deposits$167,523
Deposits held in domestic offices$79
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,000
Other borrowed funds $0
Subordinated debt $246
All other liabilities $12,203
Total equity capital$12,203
Total bank equity capital$12,203
Perpetual preferred stock$0
Common stock$525
Undivided profits $6,369
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 $380
Earning assets $28
Long-term assets (5+ years) $1,320
Average Assets, year-to-date $178,799
Average Assets, quarterly $47,417
Volatile liabilities $156,998
Insider loans $167,454
FHLB advances $105,026
Loans and leases held for sale $188,034
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $12,147
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $12,015
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,346
Total interest expense $1,770
Net interest income $5,576
Provision for loan and lease losses $210
Total noninterest income $660
Fiduciary activities $0
Service charges on deposit accounts $418
Trading account gains & fees $0
Additional noninterest income $242
Total noninterest expense $3,910
Salaries and employee benefits $2,062
Premises and equipment expense $516
Additional noninterest expense $1,332
Pre-tax net operating income $2,116
Securities gains (losses) $0
Applicable income taxes $773
Income before extraordinary items $1,343
Extraordinary gains - net $0
Net income attributable to bank $1,343
Net charge-offs $0
Cash dividends $1,343
Sale, conversion, retirement of capital stock, net $167
Net operating income $825
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.90%
Cost of funding earning assets 1.18%
Net interest margin 3.72%
Noninterest income to earning assets 0.44%
Noninterest expense to earning assets 2.61%
Net operating income to assets 0.86%
Return on assets (ROA) 0.86%
Pretax return on assets 1.35%
Return on equity (ROE) 11.09%
Retained earnings to average equity (YTD only) 4.28%
Net charge-offs to loans 0.14%
Credit loss provision to net charge-offs 125.75%
Efficiency ratio13.93%
Assets per employee$62,700
Cash dividends to net income (YTD only)3.87%
Condition Ratios (%)
Loss allowance to loans 61.43%
Loss allowance to noncurrent loans 1.04%
Noncurrent assets plus other real estate owned to assets 320.26%
Noncurrent loans to loans 0.43%
Net loans and leases to deposits0.32%
Net loans and leases to core deposits 69.27%
Equity capital to assets 74.18%
Core capital (leverage) ratio 6.56%
Tier 1 risk-based capital ratio 6.46%
Total risk-based capital ratio 11.57%
Average assets$13
Average earning assets$156,998
Average equity $12,106
Average loans $149,807
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4 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
013159First National BankBroadwater Road And Highway 25, North, Malden, MO 63863January 18, 1965Full Service Brick and Mortar
2247997Clarkton FacilityHighway 162, Clarkton, MO 63837June 07, 1982Limited Service Facility
3247998Dexter Branch310 North Walnut, Dexter, MO 63841August 17, 1998Full Service Brick and Mortar
4363653Kennett Branch500 Independence, Kennett, MO 63857April 15, 2002Full Service Brick and Mortar
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