First State Bank and Trust Company, Inc. in city_name, state_name

First State Bank and Trust Company, Inc. in Caruthersville, Missouri (MO)
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First State Bank and Trust Company, Inc. routing number info

First State Bank and Trust Company, Inc. - Overview

General
FDIC Certificate #: 14185
Status: Active
Federal Reserve ID: 489548
Bank Holding Company (Regulatory Top Holder): First State Bancorp, Inc. (RSSDID: 1098705, Location: Caruthersville, MO)
Date Established: April 02, 1934
WWW: http://www.fsbtrust.com
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 9956
FDIC's unique #: 8857
Numeric code: 13
Regulator: FED
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: April 02, 1934
Last Structure Change Effective Date: March 28, 2011
Last Structure Change Process Date: April 12, 2011
Last Data Update: April 12, 2011
Data Source Date: April 05, 2012
Location
Address: 100 West Third Street, 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
History of Changes
Change in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial Summary
Total assets: $361.3 mil
Equity capital: $35.5 mil
Deposits held in domestic offices: $319.4 mil
Return on assets (ROA): 0.95% ($3.4 mil)
Quarterly return on assets: 0.82% ($3.0 mil)
Return on Equity (ROE): 9.10% ($3.3 mil)
Quarterly return on equity: 7.93% ($2.9 mil)
Net income: $3.2 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.35% ($4,877.8 mil)
Quarterly Pretax return on assets: 1.09% ($3,938.4 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
112Total employees (full-time equivalent)
$361,322Total assets
$72,896Cash and due from depository institutions
$58,579Interest-bearing balances
$48,790Securities
$0Federal funds sold & reverse repurchase agreements
$213,563Net loans & leases
$3,183Loan loss allowance
$0Trading account assets
$8,683Bank premises and fixed assets
$353Other real estate owned
$0Goodwill and other intangibles
$361,322Life insurance assets
$17,037All other assets
$325,784Total liabilities and capital
$319,411Total liabilities
$222,441Total deposits
$319,411Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,000Trading liabilities
$0Other borrowed funds
$1,373Subordinated debt
$35,538All other liabilities
$35,538Total equity capital
$35,538Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$15,517Surplus
$18,521Undivided profits
Memoranda
$0Noncurrent loans and leases
$148Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,420Income earned, not collected on loans
$0Earning assets
$2,703Long-term assets (5+ years)
$320,932Average Assets, year-to-date
$109,033Average Assets, quarterly
$336,873Volatile liabilities
$341,968Insider loans
$224,882FHLB advances
$344,474Loans and leases held for sale
$10,010Unused loan commitments
$10,010Tier 1 (core) risk-based capital
$35,041Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$32,552Restructured Loans and leases
$1,847Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,170Total interest income
$1,891Total interest expense
$13,279Net interest income
$935Provision for loan and lease losses
$2,349Total noninterest income
$34Fiduciary activities
$1,238Service charges on deposit accounts
$0Trading account gains & fees
$1,077Additional noninterest income
$10,129Total noninterest expense
$6,443Salaries and employee benefits
$1,268Premises and equipment expense
$2,418Additional noninterest expense
$4,564Pre-tax net operating income
$0Securities gains (losses)
$1,379Applicable income taxes
$3,185Income before extraordinary items
$0Extraordinary gains - net
$3,185Net income attributable to bank
$0Net charge-offs
$3,185Cash dividends
$607Sale, conversion, retirement of capital stock, net
$2,025Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.01%Yield on earning assets
0.62%Cost of funding earning assets
4.38%Net interest margin
0.78%Noninterest income to earning assets
3.34%Noninterest expense to earning assets
0.95%Net operating income to assets
0.95%Return on assets (ROA)
1.35%Pretax return on assets
9.10%Return on equity (ROE)
3.31%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
154.04%Credit loss provision to net charge-offs
9.06%Efficiency ratio
64,813Assets per employee
3.23%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.58%Loss allowance to loans
1.47%Loss allowance to noncurrent loans
131.53%Noncurrent assets plus other real estate owned to assets
0.77%Noncurrent loans to loans
1.12%Net loans and leases to deposits
66.86%Net loans and leases to core deposits
70.54%Equity capital to assets
9.84%Core capital (leverage) ratio
10.17%Tier 1 risk-based capital ratio
15.58%Total risk-based capital ratio
Memoranda
$17Average assets
$336,873Average earning assets
$35,005Average equity
$302,892Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$11,405Managed Assets
1Number of Accounts
$2,114Personal trust and agency accounts
$2,114Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
39Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$9,291Other retirement accounts
$9,284Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

5 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8857	First State Bank And Trust Company, Inc.	100 West Third Street, Caruthersville, MO 63830	April 02, 1934	Full Service Brick and Mortar
1	231139	Sikeston Branch	750 South Main, Sikeston, MO 63801	November 20, 1995	Full Service Brick and Mortar
2	430149	Dexter Branch	710 West Business 60, Dexter, MO 63841	August 01, 2003	Full Service Brick and Mortar
3	1078	Portageville Branch	301 East Third Street, Portageville, MO 63873	January 01, 1905	Full Service Brick and Mortar
5	445905	Hayti Branch	805 East Washington, Hayti, MO 63851	November 18, 2005	Full Service Brick and Mortar

First State Bank and Trust Company, Inc. in Caruthersville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank and Trust Company, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First State Bank and Trust Company, Inc. in Caruthersville, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank and Trust Company, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First State Bank and Trust Company, Inc. in Caruthersville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches