FDIC Certificate #: 12469 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Bank (#12229) Federal Reserve ID: 458357 Date Established: January 01, 1902 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) OTS Docket #: 14435 FDIC's unique #: 7937 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2003 Last Structure Change Process Date: April 25, 2003 Last Data Update: April 25, 2003 Data Source Date: April 05, 2012
Location
Address: 198 Market Street, Ste. Genevieve, MO 63670 County: Ste. Genevieve 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
Financial Summary
Total assets: $109.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
35Total employees (full-time equivalent)
$109,325Total assets
$2,002Cash and due from depository institutions
$21Interest-bearing balances
$38,768Securities
$1,068Federal funds sold & reverse repurchase agreements
$56,799Net loans & leases
$789Loan loss allowance
$0Trading account assets
$3,670Bank premises and fixed assets
$0Other real estate owned
$3,740Goodwill and other intangibles
$0Life insurance assets
$3,278All other assets
$109,325Total liabilities and capital
$90,907Total liabilities
$88,311Total deposits
$79,743Interest-bearing deposits
$88,311Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,614Other borrowed funds
$0Subordinated debt
$982All other liabilities
$18,418Total equity capital
$18,418Total bank equity capital
$18,418Perpetual preferred stock
$0Common stock
$240Surplus
$16,650Undivided profits
Memoranda
$1,528Noncurrent loans and leases
$4,325Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$188Earning assets
$0Long-term assets (5+ years)
$549Average Assets, year-to-date
$96,656Average Assets, quarterly
$10,042Volatile liabilities
$110,621Insider loans
$110,542FHLB advances
$9,907Loans and leases held for sale
$3,064Unused loan commitments
$1,614Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,325Total unused commitments
$0Restructured Loans and leases
$787Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$5,056Total interest income
$1,858Total interest expense
$3,198Net interest income
$0Provision for loan and lease losses
$500Total noninterest income
$0Fiduciary activities
$347Service charges on deposit accounts
$0Trading account gains & fees
$153Additional noninterest income
$1,954Total noninterest expense
$1,014Salaries and employee benefits
$214Premises and equipment expense
$726Additional noninterest expense
$1,744Pre-tax net operating income
$0Securities gains (losses)
$583Applicable income taxes
$1,161Income before extraordinary items
$0Extraordinary gains - net
$1,161Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$8Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.18%Yield on earning assets
1.90%Cost of funding earning assets
3.28%Net interest margin
0.51%Noninterest income to earning assets
2.00%Noninterest expense to earning assets
1.05%Net operating income to assets
1.05%Return on assets (ROA)
1.58%Pretax return on assets
6.59%Return on equity (ROE)
6.59%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
218.00%Efficiency ratio
47,593Assets per employee
3.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.37%Loss allowance to noncurrent loans
419.68%Noncurrent assets plus other real estate owned to assets
0.17%Noncurrent loans to loans
0.33%Net loans and leases to deposits
64.32%Net loans and leases to core deposits
72.44%Equity capital to assets
16.85%Core capital (leverage) ratio
13.42%Tier 1 risk-based capital ratio
22.72%Total risk-based capital ratio
Memoranda
$24Average assets
$110,621Average earning assets
$17,628Average equity
$97,547Average loans
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