FDIC Certificate #: 20769 Status: Active Federal Reserve ID: 713047 Bank Holding Company (Regulatory Top Holder): Montgomery Bancshares, Inc. (RSSDID: 2139696, Location: Montgomery, IL) Date Established: August 15, 1972 WWW:http://www.bankofmontgomery.net Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 14344 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: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: August 15, 1972 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: 1333 Douglas Avenue, Montgomery, IL 60538 County: Kane Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Chicago Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Chicago, IL (#1600) Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14) Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176) Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980) CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980) Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $36.7 mil Equity capital: $3.6 mil Deposits held in domestic offices: $33.1 mil Return on assets (ROA): -0.41% (-$0.2 mil) Quarterly return on assets: -1.85% (-$0.7 mil) Return on Equity (ROE): -3.94% (-$0.2 mil) Quarterly return on equity: -18.15% (-$0.7 mil) Net income: -$0.1 mil Quarterly Net income: -$0.2 mil Pretax return on assets: -0.75% (-$275.5 mil) Quarterly Pretax return on assets: -3.25% (-$1,194.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$36,739Total assets
$7,310Cash and due from depository institutions
$6,545Interest-bearing balances
$12,018Securities
$0Federal funds sold & reverse repurchase agreements
$16,335Net loans & leases
$177Loan loss allowance
$0Trading account assets
$207Bank premises and fixed assets
$270Other real estate owned
$0Goodwill and other intangibles
$36,739Life insurance assets
$599All other assets
$33,093Total liabilities and capital
$33,052Total liabilities
$28,162Total deposits
$33,052Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$41Subordinated debt
$3,646All other liabilities
$3,646Total equity capital
$3,646Total bank equity capital
$0Perpetual preferred stock
$240Common stock
$1,564Surplus
$1,842Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$342Income earned, not collected on loans
$0Earning assets
$179Long-term assets (5+ years)
$34,898Average Assets, year-to-date
$7,538Average Assets, quarterly
$36,091Volatile liabilities
$36,806Insider loans
$19,153FHLB advances
$36,706Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,424Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,145Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,467Total interest income
$257Total interest expense
$1,210Net interest income
$521Provision for loan and lease losses
$282Total noninterest income
$0Fiduciary activities
$218Service charges on deposit accounts
$0Trading account gains & fees
$64Additional noninterest income
$1,242Total noninterest expense
$691Salaries and employee benefits
$104Premises and equipment expense
$447Additional noninterest expense
-$271Pre-tax net operating income
$0Securities gains (losses)
-$123Applicable income taxes
-$148Income before extraordinary items
$0Extraordinary gains - net
-$148Net income attributable to bank
$0Net charge-offs
-$148Cash dividends
$708Sale, conversion, retirement of capital stock, net
$48Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.30%Yield on earning assets
0.75%Cost of funding earning assets
3.54%Net interest margin
0.83%Noninterest income to earning assets
3.64%Noninterest expense to earning assets
-0.41%Net operating income to assets
-0.41%Return on assets (ROA)
-0.75%Pretax return on assets
-3.94%Return on equity (ROE)
-5.22%Retained earnings to average equity (YTD only)
4.08%Net charge-offs to loans
73.59%Credit loss provision to net charge-offs
0.35%Efficiency ratio
83,244Assets per employee
4.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
-32.43%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
51.75%Noncurrent assets plus other real estate owned to assets
1.67%Noncurrent loans to loans
2.07%Net loans and leases to deposits
49.42%Net loans and leases to core deposits
50.70%Equity capital to assets
9.92%Core capital (leverage) ratio
9.33%Tier 1 risk-based capital ratio
17.88%Total risk-based capital ratio
Memoranda
$19Average assets
$36,091Average earning assets
$3,755Average equity
$34,151Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
14344
Bank Of Montgomery
1333 Douglas Avenue, Montgomery, IL 60538
August 15, 1972
Full Service Brick and Mortar
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