First Security State Bank of Dunklin County - Overview
General
FDIC Certificate #: 11005 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Security State Bank of Southeast Missouri (#14218) Federal Reserve ID: 911955 Date Established: March 15, 1915 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 7054 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 26, 2000 Last Structure Change Process Date: July 07, 2000 Last Data Update: July 07, 2000 Data Source Date: April 05, 2012
Location
Address: Main Street, Hornersville, MO 63855 County: Dunklin Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City 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
Financial Summary
Total assets: $15.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
10Total employees (full-time equivalent)
$17,079Total assets
$1,059Cash and due from depository institutions
$0Interest-bearing balances
$6,305Securities
$1,565Federal funds sold & reverse repurchase agreements
$7,259Net loans & leases
$372Loan loss allowance
$0Trading account assets
$348Bank premises and fixed assets
$0Other real estate owned
$260Goodwill and other intangibles
$0Life insurance assets
$283All other assets
$17,079Total liabilities and capital
$15,910Total liabilities
$15,844Total deposits
$13,450Interest-bearing deposits
$15,844Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$66All other liabilities
$1,169Total equity capital
$1,169Total bank equity capital
$1,169Perpetual preferred stock
$0Common stock
$100Surplus
$1,300Undivided profits
Memoranda
$-231Noncurrent loans and leases
$200Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$17Earning assets
$0Long-term assets (5+ years)
$110Average Assets, year-to-date
$15,129Average Assets, quarterly
$5,692Volatile liabilities
$18,237Insider loans
$16,766FHLB advances
$2,409Loans and leases held for sale
$235Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$200Total unused commitments
$40Restructured Loans and leases
$110Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$1,350Total interest income
$646Total interest expense
$704Net interest income
$0Provision for loan and lease losses
$143Total noninterest income
$0Fiduciary activities
$107Service charges on deposit accounts
$0Trading account gains & fees
$36Additional noninterest income
$727Total noninterest expense
$327Salaries and employee benefits
$121Premises and equipment expense
$279Additional noninterest expense
$120Pre-tax net operating income
$0Securities gains (losses)
$54Applicable income taxes
$66Income before extraordinary items
$0Extraordinary gains - net
$66Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$4Sale, conversion, retirement of capital stock, net
$1,128Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.17%Yield on earning assets
3.91%Cost of funding earning assets
4.26%Net interest margin
0.87%Noninterest income to earning assets
4.40%Noninterest expense to earning assets
0.36%Net operating income to assets
0.36%Return on assets (ROA)
0.66%Pretax return on assets
3.53%Return on equity (ROE)
-56.87%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
30.00%Efficiency ratio
82,999Assets per employee
1.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
1709.09%Loss allowance to loans
4.87%Loss allowance to noncurrent loans
2188.24%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.22%Net loans and leases to deposits
45.82%Net loans and leases to core deposits
54.03%Equity capital to assets
6.84%Core capital (leverage) ratio
6.57%Tier 1 risk-based capital ratio
13.29%Total risk-based capital ratio
Memoranda
$15Average assets
$18,237Average earning assets
$1,867Average equity
$16,524Average loans
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