First National Bank in Camdenton, Missouri (MO)



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First National Bank
GeneralFDIC Certificate #: 4546
Status: Active
Federal Reserve ID: 357049
Bank Holding Company (Regulatory Top Holder): First National Bancshares, Inc. (RSSDID: 1097575, Location: Camdenton, MO)
Date Established: September 01, 1905
WWW: http://www.fnb-lakeozarks.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: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 15805
FDIC's unique #: 3009
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 04, 2008
Last Structure Change Process Date: March 14, 2008
Last Data Update: March 14, 2008
Data Source Date: April 05, 2012
LocationAddress: 117 North State Highway 5, Camdenton, MO 65020
County: Camden
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of ChangesChange in Location
Financial SummaryTotal assets: $294.3 mil
Equity capital: $47.1 mil
Deposits held in domestic offices: $246.3 mil
Return on assets (ROA): -0.96% (-$2.8 mil)
Quarterly return on assets: -0.56% (-$1.6 mil)
Return on Equity (ROE): -5.78% (-$2.7 mil)
Quarterly return on equity: -3.33% (-$1.6 mil)
Net income: -$2.7 mil
Quarterly Net income: -$0.4 mil
Pretax return on assets: -0.96% (-$2,825.7 mil)
Quarterly Pretax return on assets: -0.56% (-$1,648.3 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)88
Total assets$294,346
Cash and due from depository institutions$59,787
Interest-bearing balances$52,324
Securities$96,370
Federal funds sold & reverse repurchase agreements$615
Net loans & leases$118,058
Loan loss allowance $4,258
Trading account assets$0
Bank premises and fixed assets$4,788
Other real estate owned$11,877
Goodwill and other intangibles$0
All other assets$2,851
Life insurance assets$294,346
Total liabilities and capital$247,293
Total liabilities$246,296
Total deposits$208,908
Interest-bearing deposits$246,296
Deposits held in domestic offices$83
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $997
All other liabilities $47,053
Total equity capital$47,053
Total bank equity capital$47,053
Perpetual preferred stock$0
Common stock$230
Surplus$458
Undivided profits $46,365
Memoranda
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 $4,553
Earning assets $1,274
Long-term assets (5+ years) $1,060
Average Assets, year-to-date $267,367
Average Assets, quarterly $21,748
Volatile liabilities $282,943
Insider loans $283,440
FHLB advances $128,857
Loans and leases held for sale $275,904
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $46,030
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $33,021
Derivatives$2,239
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,619
Total interest expense $1,544
Net interest income $8,075
Provision for loan and lease losses $1,195
Total noninterest income $1,220
Fiduciary activities $0
Service charges on deposit accounts $453
Trading account gains & fees $0
Additional noninterest income $767
Total noninterest expense $10,724
Salaries and employee benefits $3,676
Premises and equipment expense $772
Additional noninterest expense $6,276
Pre-tax net operating income -$2,624
Securities gains (losses) -$80
Applicable income taxes $0
Income before extraordinary items -$2,704
Extraordinary gains - net $0
Net income attributable to bank -$2,704
Net charge-offs $0
Cash dividends -$2,704
Sale, conversion, retirement of capital stock, net $1,554
Net operating income $309
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.99%
Cost of funding earning assets 0.64%
Net interest margin 3.35%
Noninterest income to earning assets 0.51%
Noninterest expense to earning assets 4.45%
Net operating income to assets -0.93%
Return on assets (ROA) -0.96%
Pretax return on assets -0.96%
Return on equity (ROE) -5.78%
Retained earnings to average equity (YTD only) -6.44%
Net charge-offs to loans 1.17%
Credit loss provision to net charge-offs 76.90%
Efficiency ratio-0.92%
Assets per employee$115,374
Cash dividends to net income (YTD only)3.34%
Condition Ratios (%)
Loss allowance to loans -11.43%
Loss allowance to noncurrent loans 3.48%
Noncurrent assets plus other real estate owned to assets 93.52%
Noncurrent loans to loans 5.58%
Net loans and leases to deposits3.72%
Net loans and leases to core deposits 47.93%
Equity capital to assets 50.16%
Core capital (leverage) ratio 15.99%
Tier 1 risk-based capital ratio 16.68%
Total risk-based capital ratio 35.72%
Memoranda
Average assets$37
Average earning assets$282,943
Average equity $46,759
Average loans $241,129
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5 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03009First National Bank117 North State Highway 5, Camdenton, MO 65020September 01, 1905Full Service Brick and Mortar
1203825Osage Beach Branch5127 Osage Beach Parkway, Osage Beach, MO 65065May 21, 1975Full Service Brick and Mortar
3203827Sunrise Beach Facility15774 North State Highway 5, Sunrise Beach, MO 65079October 29, 1986Full Service Brick and Mortar
4203828Lake Ozark Branch2128 Bagnell Dam Blvd., Lake Ozark, MO 65049June 14, 1999Full Service Brick and Mortar
6489684Camdenton Branch1335 East Us Highway 54, Camdenton, MO 65020November 24, 2008Full Service Brick and Mortar
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