First State Community Bank in Farmington, Missouri (MO)
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| First State Community Bank | |
|---|---|
| General | FDIC 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 WWW: http://www.fscb.com 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 |
| Location | Address: 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 Changes | Office Purchased |
| Financial Summary | Total 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) |
| 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 |
| Securities | $219,464 |
| 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 |
| Surplus | $61,808 |
| Undivided profits | $76,961 |
| Memoranda | |
| 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 |
| Derivatives | $6,191 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.08% |
| 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 ratio | 13.02% |
| 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 deposits | 1.01% |
| 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% |
| Memoranda | |
| Average assets | $13 |
| Average earning assets | $1,262,637 |
| Average equity | $134,343 |
| Average loans | $1,120,287 |
| 34 Missouri Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 11335 | First State Community Bank | 201 East Columbia Street, Farmington, MO 63640 | May 11, 1954 | Full Service Brick and Mortar |  |
| 1 | 241451 | Karsch Branch | 702 North Washington Street, Farmington, MO 63640 | March 09, 1970 | Limited Service Facility |  |
| 2 | 41673 | Bonne Terre Branch | 20 East School Street, Bonne Terre, MO 63628 | January 01, 1909 | Full Service Brick and Mortar | |
| 3 | 241452 | Maple Valley Branch | Maple Valley Drive And Market Street, Farmington, MO 63640 | August 04, 1992 | Full Service Brick and Mortar | |
| 4 | 190466 | St. Marys Branch | Highway 61 North, St. Marys, MO 63673 | December 01, 1987 | Full Service Brick and Mortar | |
| 5 | 241453 | Perryville Branch | 406 North Perryville Boulevard, Perryville, MO 63775 | Febuary 11, 1997 | Full Service Brick and Mortar | |
| 6 | 44166 | Desoto Branch | Plaza Square, De Soto, MO 63020 | July 02, 1962 | Full Service Brick and Mortar | |
| 7 | 241454 | Park Hills Branch | 1401 St. Joe Drive, Park Hills, MO 63601 | June 22, 1998 | Full Service Brick and Mortar | |
| 8 | 8991 | Ironton Branch | 231 South Main Street, Ironton, MO 63650 | May 10, 1934 | Full Service Brick and Mortar | |
| 9 | 231411 | Drive-In Branch | Knob And Russell Streets, Ironton, MO 63650 | January 22, 1973 | Limited Service Facility | |
| 10 | 268927 | Malden Branch | 1214 North Douglas, Malden, MO 63863 | January 01, 1889 | Full Service Brick and Mortar | |
| 11 | 268929 | Hayti Branch | 1015 Highway 84 East Street, Hayti, MO 63851 | January 01, 1889 | Full Service Brick and Mortar | |
| 12 | 268930 | Portageville Branch | 200 East Main Street, Portageville, MO 63873 | January 01, 1889 | Full Service Brick and Mortar | |
| 16 | 257105 | Fredericktown Branch | 713 West Main Street, Fredericktown, MO 63645 | March 13, 1986 | Full Service Brick and Mortar | |
| 19 | 361669 | Potosi Branch | 100 Hwy P, Suite A, Potosi, MO 63664 | August 13, 2001 | Full Service Brick and Mortar | |
| 20 | 423045 | Cape Giradeau Branch | 1602 North Kingshighway, Cape Girardeau, MO 63701 | August 27, 2003 | Full Service Brick and Mortar | |
| 21 | 439996 | Sikeston Branch | 201 North Main, Sikeston, MO 63801 | March 25, 2005 | Full Service Brick and Mortar | |
| 22 | 444371 | Cape Girardeau Branch | 2527 William Street, Cape Girardeau, MO 63701 | September 06, 2005 | Full Service Brick and Mortar | |
| 23 | 445198 | Washington Branch | 1801 Bedford Center Drive, Washington, MO 63090 | October 17, 2005 | Full Service Brick and Mortar | |
| 24 | 451197 | Hillsboro Branch | 4767 State Road B, Hillsboro, MO 63050 | May 01, 2006 | Full Service Brick and Mortar | |
| 25 | 451202 | Desoto Branch - 2 | 1801 Old Boyd Street, De Soto, MO 63020 | May 15, 2006 | Full Service Brick and Mortar | |
| 27 | 222784 | Terre Du Lac Facility | 74 Rue Terre Bonne, Bonne Terre, MO 63628 | December 20, 1992 | Full Service Brick and Mortar | |
| 28 | 454704 | Black Knight Branch | #1 Black Knight Drive, Farmington, MO 63640 | August 25, 2006 | Full Service Brick and Mortar | |
| 29 | 59068 | Sullivan Branch | 3 East Springfield, Sullivan, MO 63080 | October 27, 1997 | Full Service Brick and Mortar | |
| 30 | 360223 | Elmont Road Branch | 900 Elmont Road, Sullivan, MO 63080 | March 08, 2000 | Full Service Brick and Mortar | |
| 31 | 365354 | Wright City Branch | 20 Wildcat Drive, Wright City, MO 63390 | Febuary 25, 2002 | Full Service Brick and Mortar | |
| 32 | 443969 | Warrenton Branch | 1022 North Highway 47, Warrenton, MO 63383 | July 11, 2005 | Full Service Brick and Mortar | |
| 33 | 453533 | Owensville Branch | 308 W. Lincoln, Owensville, MO 65066 | October 03, 2005 | Full Service Cyber | |
| 34 | 248316 | Imperial Facility | 6021 W Outer Road, Imperial, MO 63052 | September 12, 1975 | Full Service Brick and Mortar | |
| 35 | 248318 | Shady Valley Facility | 4551 Highway 21, Imperial, MO 63052 | December 07, 1990 | Full Service Brick and Mortar | |
| 36 | 290307 | Columbia-Fifth Street Branch | 15 South Fifth Street, Columbia, MO 65201 | April 20, 1998 | Full Service Brick and Mortar | |
| 37 | 431724 | Columbia - Clark Lane Banking Center | 3200 Golden Bear Drive, Columbia, MO 65202 | August 11, 2004 | Full Service Brick and Mortar | |
| 38 | 468986 | Columbia - Bethel Banking Center | 300 Diego Drive, Columbia, MO 65203 | November 05, 2007 | Full Service Brick and Mortar | |
| 39 | 7935 | Risco Branch | 121 Front Street, Risco, MO 63874 | October 18, 1909 | Full Service Brick and Mortar | |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.