First State Community Bank in Farmington, Missouri (MO)

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First State Community Bank
GeneralFDIC Certificate #: 17323
Status: Active
Federal Reserve ID: 707354
Bank Holding Company (Regulatory Top Holder): First State Bancshares, Inc. (RSSDID: 1099917, Location: Farmington, MO)
Date Established: May 11, 1954
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 34 (Domestic: 34, Interstate: No)
OTS Docket #: 13125
FDIC's unique #: 11335
Numeric code: 21
Regulator: FDIC
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: Commercial Lending Specialization
Date of Deposit Insurance: May 11, 1954
Last Structure Change Effective Date: December 11, 2010
Last Structure Change Process Date: January 03, 2011
Last Data Update: January 03, 2011
Data Source Date: April 05, 2012
LocationAddress: 201 East Columbia Street, Farmington, MO 63640
County: St. Francois
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
Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): Farmington, MO (#22100)
CBSA Micro Statistical Area: Yes
History of ChangesOffice Purchased
Financial SummaryTotal assets: $1,303.2 mil
Equity capital: $139.1 mil
Deposits held in domestic offices: $1,092.4 mil
Return on assets (ROA): 1.19% ($15.5 mil)
Quarterly return on assets: 1.17% ($15.2 mil)
Return on Equity (ROE): 11.20% ($15.6 mil)
Quarterly return on equity: 10.85% ($15.1 mil)
Net income: $15.0 mil
Quarterly Net income: $3.8 mil
Pretax return on assets: 1.80% ($23,456.8 mil)
Quarterly Pretax return on assets: 1.75% ($22,805.2 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)375
Total assets$1,303,153
Cash and due from depository institutions$32,500
Interest-bearing balances$2,472
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$925,426
Loan loss allowance $12,231
Trading account assets$0
Bank premises and fixed assets$49,970
Other real estate owned$5,626
Goodwill and other intangibles$29,240
All other assets$40,927
Life insurance assets$1,303,153
Total liabilities and capital$1,164,069
Total liabilities$1,092,393
Total deposits$949,505
Interest-bearing deposits$1,092,393
Deposits held in domestic offices$80
% insured (estimated)11036.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$56,687
Other borrowed funds $0
Subordinated debt $3,953
All other liabilities $139,084
Total equity capital$139,068
Total bank equity capital$139,068
Perpetual preferred stock$0
Common stock$299
Undivided profits $76,961
Noncurrent loans and leases $16
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,156
Income earned, not collected on loans $9,491
Earning assets $0
Long-term assets (5+ years) $4,204
Average Assets, year-to-date $1,147,362
Average Assets, quarterly $437,840
Volatile liabilities $1,262,637
Insider loans $1,286,365
FHLB advances $928,623
Loans and leases held for sale $1,251,592
Unused loan commitments $27,583
Tier 1 (core) risk-based capital $16,014
Tier 2 risk-based capital $107,898
Total risk weighted assets $11,409
Total unused commitments $160
Restructured Loans and leases $72,831
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $56,960
Total interest expense $12,236
Net interest income $44,724
Provision for loan and lease losses $3,951
Total noninterest income $13,074
Fiduciary activities $0
Service charges on deposit accounts $5,053
Trading account gains & fees $0
Additional noninterest income $8,021
Total noninterest expense $31,325
Salaries and employee benefits $17,156
Premises and equipment expense $4,973
Additional noninterest expense $9,196
Pre-tax net operating income $22,522
Securities gains (losses) $262
Applicable income taxes $7,740
Income before extraordinary items $15,044
Extraordinary gains - net $0
Net income attributable to bank $15,048
Net charge-offs -$4
Cash dividends $15,044
Sale, conversion, retirement of capital stock, net $2,033
Net operating income $6,810
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.08%
Cost of funding earning assets 1.09%
Net interest margin 3.99%
Noninterest income to earning assets 1.17%
Noninterest expense to earning assets 2.80%
Net operating income to assets 1.18%
Return on assets (ROA) 1.19%
Pretax return on assets 1.80%
Return on equity (ROE) 11.20%
Retained earnings to average equity (YTD only) 6.13%
Net charge-offs to loans 0.22%
Credit loss provision to net charge-offs 194.34%
Efficiency ratio13.02%
Assets per employee$51,962
Cash dividends to net income (YTD only)3.48%
Condition Ratios (%)
Loss allowance to loans 45.26%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 128.87%
Noncurrent loans to loans 1.16%
Net loans and leases to deposits1.01%
Net loans and leases to core deposits 84.72%
Equity capital to assets 102.80%
Core capital (leverage) ratio 10.67%
Tier 1 risk-based capital ratio 8.62%
Total risk-based capital ratio 11.62%
Average assets$13
Average earning assets$1,262,637
Average equity $134,343
Average loans $1,120,287
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34 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011335First State Community Bank201 East Columbia Street, Farmington, MO 63640May 11, 1954Full Service Brick and Mortar
1241451Karsch Branch702 North Washington Street, Farmington, MO 63640March 09, 1970Limited Service Facility
241673Bonne Terre Branch20 East School Street, Bonne Terre, MO 63628January 01, 1909Full Service Brick and Mortar
3241452Maple Valley BranchMaple Valley Drive And Market Street, Farmington, MO 63640August 04, 1992Full Service Brick and Mortar
4190466St. Marys BranchHighway 61 North, St. Marys, MO 63673December 01, 1987Full Service Brick and Mortar
5241453Perryville Branch406 North Perryville Boulevard, Perryville, MO 63775Febuary 11, 1997Full Service Brick and Mortar
644166Desoto BranchPlaza Square, De Soto, MO 63020July 02, 1962Full Service Brick and Mortar
7241454Park Hills Branch1401 St. Joe Drive, Park Hills, MO 63601June 22, 1998Full Service Brick and Mortar
88991Ironton Branch231 South Main Street, Ironton, MO 63650May 10, 1934Full Service Brick and Mortar
9231411Drive-In BranchKnob And Russell Streets, Ironton, MO 63650January 22, 1973Limited Service Facility
10268927Malden Branch1214 North Douglas, Malden, MO 63863January 01, 1889Full Service Brick and Mortar
11268929Hayti Branch1015 Highway 84 East Street, Hayti, MO 63851January 01, 1889Full Service Brick and Mortar
12268930Portageville Branch200 East Main Street, Portageville, MO 63873January 01, 1889Full Service Brick and Mortar
16257105Fredericktown Branch713 West Main Street, Fredericktown, MO 63645March 13, 1986Full Service Brick and Mortar
19361669Potosi Branch100 Hwy P, Suite A, Potosi, MO 63664August 13, 2001Full Service Brick and Mortar
20423045Cape Giradeau Branch1602 North Kingshighway, Cape Girardeau, MO 63701August 27, 2003Full Service Brick and Mortar
21439996Sikeston Branch201 North Main, Sikeston, MO 63801March 25, 2005Full Service Brick and Mortar
22444371Cape Girardeau Branch2527 William Street, Cape Girardeau, MO 63701September 06, 2005Full Service Brick and Mortar
23445198Washington Branch1801 Bedford Center Drive, Washington, MO 63090October 17, 2005Full Service Brick and Mortar
24451197Hillsboro Branch4767 State Road B, Hillsboro, MO 63050May 01, 2006Full Service Brick and Mortar
25451202Desoto Branch - 21801 Old Boyd Street, De Soto, MO 63020May 15, 2006Full Service Brick and Mortar
27222784Terre Du Lac Facility74 Rue Terre Bonne, Bonne Terre, MO 63628December 20, 1992Full Service Brick and Mortar
28454704Black Knight Branch#1 Black Knight Drive, Farmington, MO 63640August 25, 2006Full Service Brick and Mortar
2959068Sullivan Branch3 East Springfield, Sullivan, MO 63080October 27, 1997Full Service Brick and Mortar
30360223Elmont Road Branch900 Elmont Road, Sullivan, MO 63080March 08, 2000Full Service Brick and Mortar
31365354Wright City Branch20 Wildcat Drive, Wright City, MO 63390Febuary 25, 2002Full Service Brick and Mortar
32443969Warrenton Branch1022 North Highway 47, Warrenton, MO 63383July 11, 2005Full Service Brick and Mortar
33453533Owensville Branch308 W. Lincoln, Owensville, MO 65066October 03, 2005Full Service Cyber
34248316Imperial Facility6021 W Outer Road, Imperial, MO 63052September 12, 1975Full Service Brick and Mortar
35248318Shady Valley Facility4551 Highway 21, Imperial, MO 63052December 07, 1990Full Service Brick and Mortar
36290307Columbia-Fifth Street Branch15 South Fifth Street, Columbia, MO 65201April 20, 1998Full Service Brick and Mortar
37431724Columbia - Clark Lane Banking Center3200 Golden Bear Drive, Columbia, MO 65202August 11, 2004Full Service Brick and Mortar
38468986Columbia - Bethel Banking Center300 Diego Drive, Columbia, MO 65203November 05, 2007Full Service Brick and Mortar
397935Risco Branch121 Front Street, Risco, MO 63874October 18, 1909Full Service Brick and Mortar
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