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

First National Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 88Total employees (full-time equivalent)
  • $294,346Total assets
  • $59,787Cash and due from depository institutions
  • $52,324Interest-bearing balances
  • $96,370Securities
  • $615Federal funds sold & reverse repurchase agreements
  • $118,058Net loans & leases
  • $4,258Loan loss allowance
  • $0Trading account assets
  • $4,788Bank premises and fixed assets
  • $11,877Other real estate owned
  • $0Goodwill and other intangibles
  • $294,346Life insurance assets
  • $2,851All other assets
  • $247,293Total liabilities and capital
  • $246,296Total liabilities
  • $208,908Total deposits
  • $246,296Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $997Subordinated debt
  • $47,053All other liabilities
  • $47,053Total equity capital
  • $47,053Total bank equity capital
  • $0Perpetual preferred stock
  • $230Common stock
  • $458Surplus
  • $46,365Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,553Income earned, not collected on loans
  • $1,274Earning assets
  • $1,060Long-term assets (5+ years)
  • $267,367Average Assets, year-to-date
  • $21,748Average Assets, quarterly
  • $282,943Volatile liabilities
  • $283,440Insider loans
  • $128,857FHLB advances
  • $275,904Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $46,030Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $33,021Restructured Loans and leases
  • $2,239Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,619Total interest income
  • $1,544Total interest expense
  • $8,075Net interest income
  • $1,195Provision for loan and lease losses
  • $1,220Total noninterest income
  • $0Fiduciary activities
  • $453Service charges on deposit accounts
  • $0Trading account gains & fees
  • $767Additional noninterest income
  • $10,724Total noninterest expense
  • $3,676Salaries and employee benefits
  • $772Premises and equipment expense
  • $6,276Additional noninterest expense
  • -$2,624Pre-tax net operating income
  • -$80Securities gains (losses)
  • $0Applicable income taxes
  • -$2,704Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,704Net income attributable to bank
  • $0Net charge-offs
  • -$2,704Cash dividends
  • $1,554Sale, conversion, retirement of capital stock, net
  • $309Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.99%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 4.45%Noninterest expense to earning assets
  • -0.93%Net operating income to assets
  • -0.96%Return on assets (ROA)
  • -0.96%Pretax return on assets
  • -5.78%Return on equity (ROE)
  • -6.44%Retained earnings to average equity (YTD only)
  • 1.17%Net charge-offs to loans
  • 76.90%Credit loss provision to net charge-offs
  • -0.92%Efficiency ratio
  • 115,374Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -11.43%Loss allowance to loans
  • 3.48%Loss allowance to noncurrent loans
  • 93.52%Noncurrent assets plus other real estate owned to assets
  • 5.58%Noncurrent loans to loans
  • 3.72%Net loans and leases to deposits
  • 47.93%Net loans and leases to core deposits
  • 50.16%Equity capital to assets
  • 15.99%Core capital (leverage) ratio
  • 16.68%Tier 1 risk-based capital ratio
  • 35.72%Total risk-based capital ratio
  • Memoranda
  • $37Average assets
  • $282,943Average earning assets
  • $46,759Average equity
  • $241,129Average loans

List of branches

  • 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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