The First National Bank of Audrain County in Mexico, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The First National Bank of Audrain County in Mexico, Missouri (MO)
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The First National Bank of Audrain County - Overview

  • General
  • FDIC Certificate #: 4551
    Status: Active
    Federal Reserve ID: 934954
    Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
    Date Established: January 03, 1883
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12915
    FDIC's unique #: 3012
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 203 East Liberty Street, Mexico, MO 65265
    County: Audrain
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Mexico, MO (#33020)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $155.0 mil
    Equity capital: $12.8 mil
    Deposits held in domestic offices: $121.7 mil
    Return on assets (ROA): 1.32% ($2.0 mil)
    Quarterly return on assets: 1.31% ($2.0 mil)
    Return on Equity (ROE): 16.28% ($2.1 mil)
    Quarterly return on equity: 15.85% ($2.1 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.96% ($3,037.6 mil)
    Quarterly Pretax return on assets: 1.94% ($3,006.6 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
  • 29Total employees (full-time equivalent)
  • $154,980Total assets
  • $16,490Cash and due from depository institutions
  • $12,267Interest-bearing balances
  • $44,523Securities
  • $949Federal funds sold & reverse repurchase agreements
  • $88,476Net loans & leases
  • $1,821Loan loss allowance
  • $0Trading account assets
  • $491Bank premises and fixed assets
  • $462Other real estate owned
  • $1,024Goodwill and other intangibles
  • $154,980Life insurance assets
  • $2,565All other assets
  • $142,176Total liabilities and capital
  • $121,670Total liabilities
  • $93,316Total deposits
  • $121,670Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 20145.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $361Subordinated debt
  • $12,804All other liabilities
  • $12,804Total equity capital
  • $12,804Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $3,550Surplus
  • $9,004Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $751Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,306Income earned, not collected on loans
  • $124Earning assets
  • $874Long-term assets (5+ years)
  • $146,215Average Assets, year-to-date
  • $32,082Average Assets, quarterly
  • $152,402Volatile liabilities
  • $155,399Insider loans
  • $93,321FHLB advances
  • $152,796Loans and leases held for sale
  • $391Unused loan commitments
  • $391Tier 1 (core) risk-based capital
  • $11,515Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,751Restructured Loans and leases
  • $3,074Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,032Total interest income
  • $598Total interest expense
  • $5,434Net interest income
  • $230Provision for loan and lease losses
  • $1,386Total noninterest income
  • $0Fiduciary activities
  • $540Service charges on deposit accounts
  • $0Trading account gains & fees
  • $846Additional noninterest income
  • $3,600Total noninterest expense
  • $1,740Salaries and employee benefits
  • $256Premises and equipment expense
  • $1,604Additional noninterest expense
  • $2,990Pre-tax net operating income
  • -$3Securities gains (losses)
  • $977Applicable income taxes
  • $2,010Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,010Net income attributable to bank
  • $0Net charge-offs
  • $2,010Cash dividends
  • $222Sale, conversion, retirement of capital stock, net
  • $1,350Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.16%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 3.75%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 1.32%Net operating income to assets
  • 1.32%Return on assets (ROA)
  • 1.96%Pretax return on assets
  • 16.28%Return on equity (ROE)
  • 5.35%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 103.60%Credit loss provision to net charge-offs
  • 14.50%Efficiency ratio
  • 52,786Assets per employee
  • 5.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.16%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 139.43%Noncurrent assets plus other real estate owned to assets
  • 1.14%Noncurrent loans to loans
  • 1.45%Net loans and leases to deposits
  • 72.72%Net loans and leases to core deposits
  • 75.17%Equity capital to assets
  • 8.26%Core capital (leverage) ratio
  • 7.54%Tier 1 risk-based capital ratio
  • 12.34%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $152,402Average earning assets
  • $12,344Average equity
  • $144,930Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03012The First National Bank Of Audrain C203 East Liberty Street, Mexico, MO 65265January 03, 1883Full Service Brick and Mortar
    3218750Laddonia FacilityFirst And Chestnut, Laddonia, MO 63352May 09, 1988Full Service Brick and Mortar
    4218751Vandalia Facility205 West Highway 54, Vandalia, MO 63382January 25, 1991Full Service Brick and Mortar
    5493279Web Branch2116 Nelwood Drive, Columbia, MO 65202January 01, 2009Full Service Cyber

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