First State Bank of Joplin in city_name, state_name - Detailed Financial Reports, Location

First State Bank of Joplin in Joplin, Missouri (MO)
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First State Bank of Joplin routing number info

First State Bank of Joplin - Overview

General
FDIC Certificate #: 1652
Status: Active
Federal Reserve ID: 872551
Bank Holding Company (Regulatory Top Holder): Buerge Bancshares, Inc. (RSSDID: 1060346, Location: Joplin, MO)
Date Established: May 05, 1925
WWW: http://www.fsbj.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 9974
FDIC's unique #: 1087
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 13, 2006
Last Structure Change Process Date: November 22, 2006
Last Data Update: November 22, 2006
Data Source Date: April 05, 2012
Location
Address: 802 Main Street, Joplin, MO 64801
County: Jasper
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Joplin, MO (#3710)
Core Based Statistical Area (CBSA): Joplin, MO (#27900)
CBSA Metro Statistical Area: Joplin, MO (#27900)
History of Changes
Office Purchased
Financial Summary
Total assets: $185.8 mil
Equity capital: $20.9 mil
Deposits held in domestic offices: $160.5 mil
Return on assets (ROA): 1.64% ($3.1 mil)
Quarterly return on assets: 1.61% ($3.0 mil)
Return on Equity (ROE): 15.23% ($3.2 mil)
Quarterly return on equity: 14.58% ($3.1 mil)
Net income: $3.0 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.64% ($3,046.4 mil)
Quarterly Pretax return on assets: 1.61% ($2,990.6 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
63Total employees (full-time equivalent)
$185,754Total assets
$15,742Cash and due from depository institutions
$12,630Interest-bearing balances
$80,768Securities
$0Federal funds sold & reverse repurchase agreements
$82,022Net loans & leases
$2,623Loan loss allowance
$0Trading account assets
$1,619Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$185,754Life insurance assets
$5,603All other assets
$164,826Total liabilities and capital
$160,468Total liabilities
$122,245Total deposits
$160,468Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,779Trading liabilities
$0Other borrowed funds
$1,579Subordinated debt
$20,928All other liabilities
$20,928Total equity capital
$20,928Total bank equity capital
$0Perpetual preferred stock
$496Common stock
$4,683Surplus
$15,749Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$645Income earned, not collected on loans
$0Earning assets
$755Long-term assets (5+ years)
$175,420Average Assets, year-to-date
$55,907Average Assets, quarterly
$182,335Volatile liabilities
$190,668Insider loans
$87,938FHLB advances
$189,255Loans and leases held for sale
$3,601Unused loan commitments
$3,601Tier 1 (core) risk-based capital
$18,434Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,203Restructured Loans and leases
$1,384Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,184Total interest income
$655Total interest expense
$6,529Net interest income
$75Provision for loan and lease losses
$1,693Total noninterest income
$0Fiduciary activities
$481Service charges on deposit accounts
$0Trading account gains & fees
$1,212Additional noninterest income
$5,341Total noninterest expense
$3,146Salaries and employee benefits
$731Premises and equipment expense
$1,464Additional noninterest expense
$2,806Pre-tax net operating income
$189Securities gains (losses)
$0Applicable income taxes
$2,995Income before extraordinary items
$0Extraordinary gains - net
$2,995Net income attributable to bank
$0Net charge-offs
$2,995Cash dividends
$41Sale, conversion, retirement of capital stock, net
$2,325Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.20%Yield on earning assets
0.38%Cost of funding earning assets
3.81%Net interest margin
0.99%Noninterest income to earning assets
3.12%Noninterest expense to earning assets
1.54%Net operating income to assets
1.64%Return on assets (ROA)
1.64%Pretax return on assets
15.23%Return on equity (ROE)
3.41%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
182.93%Credit loss provision to net charge-offs
70.27%Efficiency ratio
64,960Assets per employee
2.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
77.63%Loss allowance to loans
3.10%Loss allowance to noncurrent loans
406.67%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.76%Net loans and leases to deposits
51.11%Net loans and leases to core deposits
52.18%Equity capital to assets
11.27%Core capital (leverage) ratio
9.74%Tier 1 risk-based capital ratio
20.96%Total risk-based capital ratio
Memoranda
$22Average assets
$182,335Average earning assets
$19,667Average equity
$171,161Average loans

List of branches

6 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1087	First State Bank Of Joplin	802 Main Street, Joplin, MO 64801	May 05, 1925	Full Service Brick and Mortar
1	189955	Range Line Branch	2433 Range Line, Joplin, MO 64801	August 18, 1975	Full Service Brick and Mortar
2	189956	Webb City Branch	1010 S Madison Ste M, Webb City, MO 64870	June 20, 1997	Full Service Retail
4	189958	32nd Street Branch	1316 East 32nd Street, Joplin, MO 64804	July 31, 1998	Limited Service Facility
5	357433	7th & Maiden Lane Express Branch	1651 West 7th Street Suite 1, Joplin, MO 64801	May 08, 2000	Full Service Brick and Mortar
7	3051	Sarcoxie Branch	501 Cross Street, Sarcoxie, MO 64862	September 01, 1881	Full Service Brick and Mortar

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

First State Bank of Joplin - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

First State Bank of Joplin - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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