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

  • 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
    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
  • 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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