First State Bank and Trust Company, Inc. in Caruthersville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First State Bank and Trust Company, Inc. in Caruthersville, Missouri (MO)
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First State Bank and Trust Company, Inc. - Overview

  • General
  • FDIC Certificate #: 14185
    Status: Active
    Federal Reserve ID: 489548
    Bank Holding Company (Regulatory Top Holder): First State Bancorp, Inc. (RSSDID: 1098705, Location: Caruthersville, MO)
    Date Established: April 02, 1934
    WWW: http://www.fsbtrust.com
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 9956
    FDIC's unique #: 8857
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: April 02, 1934
    Last Structure Change Effective Date: March 28, 2011
    Last Structure Change Process Date: April 12, 2011
    Last Data Update: April 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 West Third Street, Caruthersville, MO 63830
    County: Pemiscot
    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
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $361.3 mil
    Equity capital: $35.5 mil
    Deposits held in domestic offices: $319.4 mil
    Return on assets (ROA): 0.95% ($3.4 mil)
    Quarterly return on assets: 0.82% ($3.0 mil)
    Return on Equity (ROE): 9.10% ($3.3 mil)
    Quarterly return on equity: 7.93% ($2.9 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.35% ($4,877.8 mil)
    Quarterly Pretax return on assets: 1.09% ($3,938.4 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
  • 112Total employees (full-time equivalent)
  • $361,322Total assets
  • $72,896Cash and due from depository institutions
  • $58,579Interest-bearing balances
  • $48,790Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $213,563Net loans & leases
  • $3,183Loan loss allowance
  • $0Trading account assets
  • $8,683Bank premises and fixed assets
  • $353Other real estate owned
  • $0Goodwill and other intangibles
  • $361,322Life insurance assets
  • $17,037All other assets
  • $325,784Total liabilities and capital
  • $319,411Total liabilities
  • $222,441Total deposits
  • $319,411Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $1,373Subordinated debt
  • $35,538All other liabilities
  • $35,538Total equity capital
  • $35,538Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $15,517Surplus
  • $18,521Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $148Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,420Income earned, not collected on loans
  • $0Earning assets
  • $2,703Long-term assets (5+ years)
  • $320,932Average Assets, year-to-date
  • $109,033Average Assets, quarterly
  • $336,873Volatile liabilities
  • $341,968Insider loans
  • $224,882FHLB advances
  • $344,474Loans and leases held for sale
  • $10,010Unused loan commitments
  • $10,010Tier 1 (core) risk-based capital
  • $35,041Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32,552Restructured Loans and leases
  • $1,847Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,170Total interest income
  • $1,891Total interest expense
  • $13,279Net interest income
  • $935Provision for loan and lease losses
  • $2,349Total noninterest income
  • $34Fiduciary activities
  • $1,238Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,077Additional noninterest income
  • $10,129Total noninterest expense
  • $6,443Salaries and employee benefits
  • $1,268Premises and equipment expense
  • $2,418Additional noninterest expense
  • $4,564Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,379Applicable income taxes
  • $3,185Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,185Net income attributable to bank
  • $0Net charge-offs
  • $3,185Cash dividends
  • $607Sale, conversion, retirement of capital stock, net
  • $2,025Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 9.10%Return on equity (ROE)
  • 3.31%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 154.04%Credit loss provision to net charge-offs
  • 9.06%Efficiency ratio
  • 64,813Assets per employee
  • 3.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.58%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 131.53%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 1.12%Net loans and leases to deposits
  • 66.86%Net loans and leases to core deposits
  • 70.54%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 10.17%Tier 1 risk-based capital ratio
  • 15.58%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $336,873Average earning assets
  • $35,005Average equity
  • $302,892Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $11,405Managed Assets
  • 1Number of Accounts
  • $2,114Personal trust and agency accounts
  • $2,114Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 39Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $9,291Other retirement accounts
  • $9,284Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08857First State Bank And Trust Company, Inc.100 West Third Street, Caruthersville, MO 63830April 02, 1934Full Service Brick and Mortar
    1231139Sikeston Branch750 South Main, Sikeston, MO 63801November 20, 1995Full Service Brick and Mortar
    2430149Dexter Branch710 West Business 60, Dexter, MO 63841August 01, 2003Full Service Brick and Mortar
    31078Portageville Branch301 East Third Street, Portageville, MO 63873January 01, 1905Full Service Brick and Mortar
    5445905Hayti Branch805 East Washington, Hayti, MO 63851November 18, 2005Full Service Brick and Mortar

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