First National Bank of Clinton in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Clinton in Clinton, Missouri (MO)
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First National Bank of Clinton routing number info

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

No	ID	Name	Address	Established	Service Type
0	10531	First National Bank Of Clinton	Second And Jefferson Streets, Clinton, MO 64735	Febuary 25, 1946	Full Service Brick and Mortar
1	237924	Eastgate Facility	1303 East Ohio, Clinton, MO 64735	May 12, 1975	Full Service Brick and Mortar
4	448979	Springfield Branch	4108 South National Avenue, Springfield, MO 65807	December 05, 2005	Full Service Brick and Mortar

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

First National Bank of Clinton - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First National Bank of Clinton - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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