First State Community Bank in Farmington, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First State Community Bank in Farmington, Missouri (MO)
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First State Community Bank - Overview

  • 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
    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)

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
  • 375Total employees (full-time equivalent)
  • $1,303,153Total assets
  • $32,500Cash and due from depository institutions
  • $2,472Interest-bearing balances
  • $219,464Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $925,426Net loans & leases
  • $12,231Loan loss allowance
  • $0Trading account assets
  • $49,970Bank premises and fixed assets
  • $5,626Other real estate owned
  • $29,240Goodwill and other intangibles
  • $1,303,153Life insurance assets
  • $40,927All other assets
  • $1,164,069Total liabilities and capital
  • $1,092,393Total liabilities
  • $949,505Total deposits
  • $1,092,393Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 11036.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $56,687Trading liabilities
  • $0Other borrowed funds
  • $3,953Subordinated debt
  • $139,084All other liabilities
  • $139,068Total equity capital
  • $139,068Total bank equity capital
  • $0Perpetual preferred stock
  • $299Common stock
  • $61,808Surplus
  • $76,961Undivided profits
  • Memoranda
  • $16Noncurrent loans and leases
  • $1,156Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,491Income earned, not collected on loans
  • $0Earning assets
  • $4,204Long-term assets (5+ years)
  • $1,147,362Average Assets, year-to-date
  • $437,840Average Assets, quarterly
  • $1,262,637Volatile liabilities
  • $1,286,365Insider loans
  • $928,623FHLB advances
  • $1,251,592Loans and leases held for sale
  • $27,583Unused loan commitments
  • $16,014Tier 1 (core) risk-based capital
  • $107,898Tier 2 risk-based capital
  • $11,409Total risk weighted assets
  • $160Total unused commitments
  • $72,831Restructured Loans and leases
  • $6,191Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $56,960Total interest income
  • $12,236Total interest expense
  • $44,724Net interest income
  • $3,951Provision for loan and lease losses
  • $13,074Total noninterest income
  • $0Fiduciary activities
  • $5,053Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,021Additional noninterest income
  • $31,325Total noninterest expense
  • $17,156Salaries and employee benefits
  • $4,973Premises and equipment expense
  • $9,196Additional noninterest expense
  • $22,522Pre-tax net operating income
  • $262Securities gains (losses)
  • $7,740Applicable income taxes
  • $15,044Income before extraordinary items
  • $0Extraordinary gains - net
  • $15,048Net income attributable to bank
  • -$4Net charge-offs
  • $15,044Cash dividends
  • $2,033Sale, conversion, retirement of capital stock, net
  • $6,810Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.99%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.80%Pretax return on assets
  • 11.20%Return on equity (ROE)
  • 6.13%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 194.34%Credit loss provision to net charge-offs
  • 13.02%Efficiency ratio
  • 51,962Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.26%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 128.87%Noncurrent assets plus other real estate owned to assets
  • 1.16%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 84.72%Net loans and leases to core deposits
  • 102.80%Equity capital to assets
  • 10.67%Core capital (leverage) ratio
  • 8.62%Tier 1 risk-based capital ratio
  • 11.62%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,262,637Average earning assets
  • $134,343Average equity
  • $1,120,287Average loans

List of branches

  • 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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