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

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First State Bank and Trust Company, Inc. routing number info

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First State Bank and Trust Company, Inc.
GeneralFDIC 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
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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial SummaryTotal 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)
Total employees (full-time equivalent)112
Total assets$361,322
Cash and due from depository institutions$72,896
Interest-bearing balances$58,579
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$213,563
Loan loss allowance $3,183
Trading account assets$0
Bank premises and fixed assets$8,683
Other real estate owned$353
Goodwill and other intangibles$0
All other assets$17,037
Life insurance assets$361,322
Total liabilities and capital$325,784
Total liabilities$319,411
Total deposits$222,441
Interest-bearing deposits$319,411
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $1,373
All other liabilities $35,538
Total equity capital$35,538
Total bank equity capital$35,538
Perpetual preferred stock$0
Common stock$1,500
Undivided profits $18,521
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $148
Income earned, not collected on loans $2,420
Earning assets $0
Long-term assets (5+ years) $2,703
Average Assets, year-to-date $320,932
Average Assets, quarterly $109,033
Volatile liabilities $336,873
Insider loans $341,968
FHLB advances $224,882
Loans and leases held for sale $344,474
Unused loan commitments $10,010
Tier 1 (core) risk-based capital $10,010
Tier 2 risk-based capital $35,041
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $32,552
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $15,170
Total interest expense $1,891
Net interest income $13,279
Provision for loan and lease losses $935
Total noninterest income $2,349
Fiduciary activities $34
Service charges on deposit accounts $1,238
Trading account gains & fees $0
Additional noninterest income $1,077
Total noninterest expense $10,129
Salaries and employee benefits $6,443
Premises and equipment expense $1,268
Additional noninterest expense $2,418
Pre-tax net operating income $4,564
Securities gains (losses) $0
Applicable income taxes $1,379
Income before extraordinary items $3,185
Extraordinary gains - net $0
Net income attributable to bank $3,185
Net charge-offs $0
Cash dividends $3,185
Sale, conversion, retirement of capital stock, net $607
Net operating income $2,025
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.01%
Cost of funding earning assets 0.62%
Net interest margin 4.38%
Noninterest income to earning assets 0.78%
Noninterest expense to earning assets 3.34%
Net operating income to assets 0.95%
Return on assets (ROA) 0.95%
Pretax return on assets 1.35%
Return on equity (ROE) 9.10%
Retained earnings to average equity (YTD only) 3.31%
Net charge-offs to loans 0.28%
Credit loss provision to net charge-offs 154.04%
Efficiency ratio9.06%
Assets per employee$64,813
Cash dividends to net income (YTD only)3.23%
Condition Ratios (%)
Loss allowance to loans 63.58%
Loss allowance to noncurrent loans 1.47%
Noncurrent assets plus other real estate owned to assets 131.53%
Noncurrent loans to loans 0.77%
Net loans and leases to deposits1.12%
Net loans and leases to core deposits 66.86%
Equity capital to assets 70.54%
Core capital (leverage) ratio 9.84%
Tier 1 risk-based capital ratio 10.17%
Total risk-based capital ratio 15.58%
Average assets$17
Average earning assets$336,873
Average equity $35,005
Average loans $302,892
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$11,405
Number of Accounts1
Personal trust and agency accounts$2,114
Employee benefit-defined contribution accounts$2,114
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts39
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$9,291
Corporate trust and agency accounts$9,284
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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