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


  • First National Bank of Clinton in Clinton, Missouri (MO)
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First National Bank of Clinton - Overview

  • General
  • FDIC Certificate #: 16347
    Status: Active
    Federal Reserve ID: 386049
    Bank Holding Company (Regulatory Top Holder): Financial Enterprises, Inc. (RSSDID: 1050879, Location: Clinton, MO)
    Date Established: Febuary 25, 1946
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 9861
    FDIC's unique #: 10531
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 25, 1946
    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: Second And Jefferson Streets, Clinton, MO 64735
    County: Henry
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $70.4 mil
    Equity capital: $10.2 mil
    Deposits held in domestic offices: $54.4 mil
    Return on assets (ROA): 1.22% ($0.9 mil)
    Quarterly return on assets: 0.28% ($0.2 mil)
    Return on Equity (ROE): 8.78% ($0.9 mil)
    Quarterly return on equity: 1.95% ($0.2 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.96% ($676.2 mil)
    Quarterly Pretax return on assets: 0.49% ($345.1 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
  • 23Total employees (full-time equivalent)
  • $70,433Total assets
  • $7,877Cash and due from depository institutions
  • $5,433Interest-bearing balances
  • $17,702Securities
  • $3,028Federal funds sold & reverse repurchase agreements
  • $36,616Net loans & leases
  • $604Loan loss allowance
  • $0Trading account assets
  • $1,323Bank premises and fixed assets
  • $996Other real estate owned
  • $0Goodwill and other intangibles
  • $70,433Life insurance assets
  • $2,891All other assets
  • $60,210Total liabilities and capital
  • $54,437Total liabilities
  • $47,973Total deposits
  • $54,437Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $773Subordinated debt
  • $10,223All other liabilities
  • $10,223Total equity capital
  • $10,223Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $150Surplus
  • $9,973Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $319Income earned, not collected on loans
  • $0Earning assets
  • $248Long-term assets (5+ years)
  • $62,779Average Assets, year-to-date
  • $15,641Average Assets, quarterly
  • $70,541Volatile liabilities
  • $70,608Insider loans
  • $39,569FHLB advances
  • $70,678Loans and leases held for sale
  • $1,834Unused loan commitments
  • $1,834Tier 1 (core) risk-based capital
  • $9,789Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $274Restructured Loans and leases
  • $28Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,097Total interest income
  • $430Total interest expense
  • $2,667Net interest income
  • $100Provision for loan and lease losses
  • $391Total noninterest income
  • $0Fiduciary activities
  • $164Service charges on deposit accounts
  • $0Trading account gains & fees
  • $227Additional noninterest income
  • $2,359Total noninterest expense
  • $950Salaries and employee benefits
  • $292Premises and equipment expense
  • $1,117Additional noninterest expense
  • $599Pre-tax net operating income
  • $77Securities gains (losses)
  • -$184Applicable income taxes
  • $860Income before extraordinary items
  • $0Extraordinary gains - net
  • $860Net income attributable to bank
  • $0Net charge-offs
  • $860Cash dividends
  • $199Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.75%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 8.78%Return on equity (ROE)
  • 7.76%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 50.25%Credit loss provision to net charge-offs
  • 3.51%Efficiency ratio
  • 77,142Assets per employee
  • 3.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.63%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 189.34%Noncurrent assets plus other real estate owned to assets
  • 1.87%Noncurrent loans to loans
  • 0.86%Net loans and leases to deposits
  • 67.26%Net loans and leases to core deposits
  • 67.58%Equity capital to assets
  • 14.51%Core capital (leverage) ratio
  • 13.85%Tier 1 risk-based capital ratio
  • 24.74%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $70,541Average earning assets
  • $9,799Average equity
  • $62,865Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010531First National Bank Of ClintonSecond And Jefferson Streets, Clinton, MO 64735Febuary 25, 1946Full Service Brick and Mortar
    1237924Eastgate Facility1303 East Ohio, Clinton, MO 64735May 12, 1975Full Service Brick and Mortar
    4448979Springfield Branch4108 South National Avenue, Springfield, MO 65807December 05, 2005Full Service Brick and Mortar

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