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

  • The First National Bank of Carrollton in Carrollton, Missouri (MO)
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The First National Bank of Carrollton - Overview

  • General
  • FDIC Certificate #: 4530
    Status: Active
    Federal Reserve ID: 367244
    Bank Holding Company (Regulatory Top Holder): Carrollton Bancshares Corporation (RSSDID: 2009847, Location: Carrollton, MO)
    Date Established: August 05, 1889
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 2996
    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: Yes
    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: 1 South Main Street, Carrollton, MO 64633
    County: Carroll
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $50.1 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $43.9 mil
    Return on assets (ROA): 1.01% ($0.5 mil)
    Quarterly return on assets: 0.83% ($0.4 mil)
    Return on Equity (ROE): 9.77% ($0.5 mil)
    Quarterly return on equity: 7.83% ($0.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.01% ($505.9 mil)
    Quarterly Pretax return on assets: 0.85% ($425.7 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
  • 9Total employees (full-time equivalent)
  • $50,086Total assets
  • $12,370Cash and due from depository institutions
  • $6,534Interest-bearing balances
  • $20,368Securities
  • $1,700Federal funds sold & reverse repurchase agreements
  • $14,793Net loans & leases
  • $326Loan loss allowance
  • $0Trading account assets
  • $116Bank premises and fixed assets
  • $189Other real estate owned
  • $0Goodwill and other intangibles
  • $50,086Life insurance assets
  • $550All other assets
  • $45,115Total liabilities and capital
  • $43,862Total liabilities
  • $36,650Total deposits
  • $43,862Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 926.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $297Trading liabilities
  • $0Other borrowed funds
  • $30Subordinated debt
  • $4,971All other liabilities
  • $4,971Total equity capital
  • $4,971Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $250Surplus
  • $4,621Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $157Income earned, not collected on loans
  • $0Earning assets
  • $299Long-term assets (5+ years)
  • $43,395Average Assets, year-to-date
  • $9,148Average Assets, quarterly
  • $48,064Volatile liabilities
  • $47,654Insider loans
  • $20,854FHLB advances
  • $47,736Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,600Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,874Restructured Loans and leases
  • $340Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,526Total interest income
  • $237Total interest expense
  • $1,289Net interest income
  • $22Provision for loan and lease losses
  • $118Total noninterest income
  • $0Fiduciary activities
  • $84Service charges on deposit accounts
  • $0Trading account gains & fees
  • $34Additional noninterest income
  • $898Total noninterest expense
  • $469Salaries and employee benefits
  • $117Premises and equipment expense
  • $312Additional noninterest expense
  • $487Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $485Income before extraordinary items
  • $0Extraordinary gains - net
  • $485Net income attributable to bank
  • $0Net charge-offs
  • $485Cash dividends
  • $66Sale, conversion, retirement of capital stock, net
  • $366Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.52%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 2.97%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.07%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 9.77%Return on equity (ROE)
  • 2.40%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 33.33%Credit loss provision to net charge-offs
  • 7.71%Efficiency ratio
  • 63,824Assets per employee
  • 5.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.46%Loss allowance to loans
  • 2.16%Loss allowance to noncurrent loans
  • 207.64%Noncurrent assets plus other real estate owned to assets
  • 0.69%Noncurrent loans to loans
  • 1.04%Net loans and leases to deposits
  • 33.73%Net loans and leases to core deposits
  • 33.73%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 9.64%Tier 1 risk-based capital ratio
  • 22.06%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $48,064Average earning assets
  • $4,962Average equity
  • $43,373Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02996The First National Bank Of Carrollto1 South Main Street, Carrollton, MO 64633August 05, 1889Full Service Brick and Mortar
    1203791First National Motor Branch608 South Main Street, Carrollton, MO 64633April 19, 1967Limited Service Facility

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