The First National Bank of Carrollton in Carrollton, Missouri (MO)
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| The First National Bank of Carrollton | |
|---|---|
| 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 WWW: http://www.fnbofcarrollton.com 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 9 |
| Total assets | $50,086 |
| Cash and due from depository institutions | $12,370 |
| Interest-bearing balances | $6,534 |
| Securities | $20,368 |
| Federal funds sold & reverse repurchase agreements | $1,700 |
| Net loans & leases | $14,793 |
| Loan loss allowance | $326 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $116 |
| Other real estate owned | $189 |
| Goodwill and other intangibles | $0 |
| All other assets | $550 |
| Life insurance assets | $50,086 |
| Total liabilities and capital | $45,115 |
| Total liabilities | $43,862 |
| Total deposits | $36,650 |
| Interest-bearing deposits | $43,862 |
| Deposits held in domestic offices | $72 |
| % insured (estimated) | 926.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $297 |
| Other borrowed funds | $0 |
| Subordinated debt | $30 |
| All other liabilities | $4,971 |
| Total equity capital | $4,971 |
| Total bank equity capital | $4,971 |
| Perpetual preferred stock | $0 |
| Common stock | $100 |
| Surplus | $250 |
| Undivided profits | $4,621 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $157 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $299 |
| Average Assets, year-to-date | $43,395 |
| Average Assets, quarterly | $9,148 |
| Volatile liabilities | $48,064 |
| Insider loans | $47,654 |
| FHLB advances | $20,854 |
| Loans and leases held for sale | $47,736 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $4,600 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $2,874 |
| Derivatives | $340 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,526 |
| Total interest expense | $237 |
| Net interest income | $1,289 |
| Provision for loan and lease losses | $22 |
| Total noninterest income | $118 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $84 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $34 |
| Total noninterest expense | $898 |
| Salaries and employee benefits | $469 |
| Premises and equipment expense | $117 |
| Additional noninterest expense | $312 |
| Pre-tax net operating income | $487 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $2 |
| Income before extraordinary items | $485 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $485 |
| Net charge-offs | $0 |
| Cash dividends | $485 |
| Sale, conversion, retirement of capital stock, net | $66 |
| Net operating income | $366 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 3.52% |
| Cost of funding earning assets | 0.55% |
| Net interest margin | 2.97% |
| Noninterest income to earning assets | 0.27% |
| Noninterest expense to earning assets | 2.07% |
| Net operating income to assets | 1.01% |
| Return on assets (ROA) | 1.01% |
| Pretax return on assets | 1.01% |
| Return on equity (ROE) | 9.77% |
| Retained earnings to average equity (YTD only) | 2.40% |
| Net charge-offs to loans | 0.42% |
| Credit loss provision to net charge-offs | 33.33% |
| Efficiency ratio | 7.71% |
| Assets per employee | $63,824 |
| Cash dividends to net income (YTD only) | 5.57% |
| Condition Ratios (%) | |
| Loss allowance to loans | 75.46% |
| Loss allowance to noncurrent loans | 2.16% |
| Noncurrent assets plus other real estate owned to assets | 207.64% |
| Noncurrent loans to loans | 0.69% |
| Net loans and leases to deposits | 1.04% |
| Net loans and leases to core deposits | 33.73% |
| Equity capital to assets | 33.73% |
| Core capital (leverage) ratio | 9.92% |
| Tier 1 risk-based capital ratio | 9.64% |
| Total risk-based capital ratio | 22.06% |
| Memoranda | |
| Average assets | $23 |
| Average earning assets | $48,064 |
| Average equity | $4,962 |
| Average loans | $43,373 |
| 2 Missouri Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 2996 | The First National Bank Of Carrollto | 1 South Main Street, Carrollton, MO 64633 | August 05, 1889 | Full Service Brick and Mortar |  |
| 1 | 203791 | First National Motor Branch | 608 South Main Street, Carrollton, MO 64633 | April 19, 1967 | Limited Service Facility |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.