First State Bank of St. Robert in Saint Robert, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of St. Robert - Overview

  • General
  • FDIC Certificate #: 19191
    Status: Active
    Federal Reserve ID: 277558
    Bank Holding Company (Regulatory Top Holder): Maries County Bancorp., Inc. (RSSDID: 1099814, Location: Vienna, MO)
    Date Established: August 15, 1964
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 13011
    Numeric code: 13
    Regulator: FED
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: August 15, 1964
    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: 926 City Route 66 East, Saint Robert, MO 65584
    County: Pulaski
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Fort Leonard Wood, MO (#22780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $94.0 mil
    Equity capital: $9.4 mil
    Deposits held in domestic offices: $83.4 mil
    Return on assets (ROA): 0.85% ($0.8 mil)
    Quarterly return on assets: 0.83% ($0.8 mil)
    Return on Equity (ROE): 8.93% ($0.8 mil)
    Quarterly return on equity: 8.42% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.17% ($1,100.1 mil)
    Quarterly Pretax return on assets: 1.20% ($1,128.3 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
  • 38Total employees (full-time equivalent)
  • $94,023Total assets
  • $11,102Cash and due from depository institutions
  • $9,296Interest-bearing balances
  • $21,214Securities
  • $1,235Federal funds sold & reverse repurchase agreements
  • $57,182Net loans & leases
  • $810Loan loss allowance
  • $0Trading account assets
  • $2,004Bank premises and fixed assets
  • $188Other real estate owned
  • $0Goodwill and other intangibles
  • $94,023Life insurance assets
  • $1,098All other assets
  • $84,594Total liabilities and capital
  • $83,413Total liabilities
  • $73,987Total deposits
  • $83,413Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $181Subordinated debt
  • $9,429All other liabilities
  • $9,429Total equity capital
  • $9,429Total bank equity capital
  • $0Perpetual preferred stock
  • $445Common stock
  • $923Surplus
  • $8,061Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $223Income earned, not collected on loans
  • $0Earning assets
  • $471Long-term assets (5+ years)
  • $88,927Average Assets, year-to-date
  • $25,154Average Assets, quarterly
  • $93,692Volatile liabilities
  • $94,838Insider loans
  • $55,684FHLB advances
  • $95,146Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,207Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,431Restructured Loans and leases
  • $847Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,815Total interest income
  • $1,010Total interest expense
  • $3,805Net interest income
  • $210Provision for loan and lease losses
  • $688Total noninterest income
  • $0Fiduciary activities
  • $279Service charges on deposit accounts
  • $0Trading account gains & fees
  • $409Additional noninterest income
  • $3,186Total noninterest expense
  • $1,828Salaries and employee benefits
  • $332Premises and equipment expense
  • $1,026Additional noninterest expense
  • $1,097Pre-tax net operating income
  • $0Securities gains (losses)
  • $296Applicable income taxes
  • $801Income before extraordinary items
  • $0Extraordinary gains - net
  • $801Net income attributable to bank
  • $0Net charge-offs
  • $801Cash dividends
  • $104Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.60%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 8.93%Return on equity (ROE)
  • 8.93%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 201.92%Credit loss provision to net charge-offs
  • 12.57%Efficiency ratio
  • 70,910Assets per employee
  • 2.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 363.23%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 68.55%Net loans and leases to core deposits
  • 71.51%Equity capital to assets
  • 10.03%Core capital (leverage) ratio
  • 9.68%Tier 1 risk-based capital ratio
  • 16.53%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $93,692Average earning assets
  • $8,970Average equity
  • $88,385Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013011First State Bank Of St. Robert926 City Route 66 East, Saint Robert, MO 65584August 15, 1964Full Service Brick and Mortar
    1247551Richland Branch102 North Pine, Richland, MO 65556April 21, 1997Full Service Brick and Mortar

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