First Security State Bank of Southeast Missouri in Caruthersville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 09, 2005

First Security State Bank of Southeast Missouri in Caruthersville, Missouri (MO)
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First Security State Bank of Southeast Missouri - Overview

General
FDIC Certificate #: 14218
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Focus Bank (#1426)
Federal Reserve ID: 370646
Date Established: January 01, 1934
WWW: http://www.fssbofsemo.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
FDIC's unique #: 8877
Numeric code: 21
Regulator: FDIC
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: April 05, 1934
Last Structure Change Effective Date: May 09, 2005
Last Structure Change Process Date: May 25, 2005
Last Data Update: May 25, 2005
Data Source Date: April 05, 2012
Location
Address: 323 Ward Avenue, Caruthersville, MO 63830
County: Pemiscot
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: $62.5 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, 2004)

Dollar figures in thousands
26Total employees (full-time equivalent)
$61,781Total assets
$3,821Cash and due from depository institutions
$0Interest-bearing balances
$1,112Securities
$0Federal funds sold & reverse repurchase agreements
$54,173Net loans & leases
$586Loan loss allowance
$0Trading account assets
$720Bank premises and fixed assets
$26Other real estate owned
$186Goodwill and other intangibles
$0Life insurance assets
$1,743All other assets
$61,781Total liabilities and capital
$56,640Total liabilities
$54,240Total deposits
$47,348Interest-bearing deposits
$54,240Deposits held in domestic offices
0.00%% insured (estimated)
$192Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,500Other borrowed funds
$0Subordinated debt
$708All other liabilities
$5,141Total equity capital
$5,141Total bank equity capital
$5,141Perpetual preferred stock
$0Common stock
$100Surplus
$2,000Undivided profits
Memoranda
$3,041Noncurrent loans and leases
$5,786Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$94Earning assets
$0Long-term assets (5+ years)
$506Average Assets, year-to-date
$55,285Average Assets, quarterly
$12,106Volatile liabilities
$59,308Insider loans
$62,118FHLB advances
$14,382Loans and leases held for sale
$1,611Unused loan commitments
$1,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,786Total unused commitments
$190Restructured Loans and leases
$586Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$3,241Total interest income
$904Total interest expense
$2,337Net interest income
$135Provision for loan and lease losses
$491Total noninterest income
$0Fiduciary activities
$316Service charges on deposit accounts
$0Trading account gains & fees
$175Additional noninterest income
$1,840Total noninterest expense
$852Salaries and employee benefits
$317Premises and equipment expense
$671Additional noninterest expense
$853Pre-tax net operating income
$24Securities gains (losses)
$269Applicable income taxes
$608Income before extraordinary items
$0Extraordinary gains - net
$608Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$35Sale, conversion, retirement of capital stock, net
$550Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.98%Yield on earning assets
1.67%Cost of funding earning assets
4.31%Net interest margin
0.91%Noninterest income to earning assets
3.40%Noninterest expense to earning assets
1.00%Net operating income to assets
1.03%Return on assets (ROA)
1.48%Pretax return on assets
12.26%Return on equity (ROE)
1.17%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
385.71%Credit loss provision to net charge-offs
28.23%Efficiency ratio
64,710Assets per employee
2.38%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.46%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
623.40%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.17%Net loans and leases to deposits
99.88%Net loans and leases to core deposits
135.26%Equity capital to assets
8.32%Core capital (leverage) ratio
7.96%Tier 1 risk-based capital ratio
9.72%Total risk-based capital ratio
Memoranda
$11Average assets
$59,308Average earning assets
$4,958Average equity
$54,164Average loans

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