Bank of Monticello in city_name, state_name - Detailed Financial Reports, Location

Bank of Monticello in Monticello, Missouri (MO)
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Bank of Monticello routing number info

Bank of Monticello - Overview

General
FDIC Certificate #: 12232
Status: Active
Federal Reserve ID: 937553
Bank Holding Company (Regulatory Top Holder): Monticello Bancshares, Inc. (RSSDID: 3112472, Location: Monticello, MO)
Date Established: Febuary 27, 1928
WWW: http://www.bankofmonticello.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 7776
Numeric code: 21
Regulator: FDIC
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
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: 201 East Lafayette, Monticello, MO 63457
County: Lewis
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
Core Based Statistical Area (CBSA): Quincy, IL-MO (#39500)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $95.4 mil
Equity capital: $9.5 mil
Deposits held in domestic offices: $78.4 mil
Return on assets (ROA): 1.80% ($1.7 mil)
Quarterly return on assets: 1.42% ($1.3 mil)
Return on Equity (ROE): 17.90% ($1.8 mil)
Quarterly return on equity: 13.61% ($1.4 mil)
Net income: $1.6 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.80% ($1,716.6 mil)
Quarterly Pretax return on assets: 1.42% ($1,354.2 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
23Total employees (full-time equivalent)
$95,364Total assets
$6,861Cash and due from depository institutions
$2,237Interest-bearing balances
$20,867Securities
$0Federal funds sold & reverse repurchase agreements
$65,013Net loans & leases
$873Loan loss allowance
$0Trading account assets
$457Bank premises and fixed assets
$84Other real estate owned
$0Goodwill and other intangibles
$95,364Life insurance assets
$2,082All other assets
$85,832Total liabilities and capital
$78,440Total liabilities
$66,861Total deposits
$78,440Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,177Trading liabilities
$0Other borrowed funds
$215Subordinated debt
$9,532All other liabilities
$9,532Total equity capital
$9,532Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$325Surplus
$9,057Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$302Income earned, not collected on loans
$0Earning assets
$947Long-term assets (5+ years)
$88,117Average Assets, year-to-date
$24,771Average Assets, quarterly
$90,403Volatile liabilities
$92,389Insider loans
$91,513FHLB advances
$89,895Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,215Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,384Restructured Loans and leases
$417Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,426Total interest income
$987Total interest expense
$3,439Net interest income
$282Provision for loan and lease losses
$334Total noninterest income
$0Fiduciary activities
$294Service charges on deposit accounts
$0Trading account gains & fees
$40Additional noninterest income
$1,993Total noninterest expense
$1,083Salaries and employee benefits
$181Premises and equipment expense
$729Additional noninterest expense
$1,498Pre-tax net operating income
$133Securities gains (losses)
$0Applicable income taxes
$1,631Income before extraordinary items
$0Extraordinary gains - net
$1,631Net income attributable to bank
$0Net charge-offs
$1,631Cash dividends
$180Sale, conversion, retirement of capital stock, net
$1,061Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.22%Yield on earning assets
1.16%Cost of funding earning assets
4.06%Net interest margin
0.39%Noninterest income to earning assets
2.35%Noninterest expense to earning assets
1.66%Net operating income to assets
1.80%Return on assets (ROA)
1.80%Pretax return on assets
17.90%Return on equity (ROE)
6.26%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
156.67%Credit loss provision to net charge-offs
9.89%Efficiency ratio
52,823Assets per employee
4.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.05%Loss allowance to loans
1.33%Loss allowance to noncurrent loans
289.07%Noncurrent assets plus other real estate owned to assets
0.40%Noncurrent loans to loans
0.46%Net loans and leases to deposits
82.88%Net loans and leases to core deposits
89.86%Equity capital to assets
10.00%Core capital (leverage) ratio
10.25%Tier 1 risk-based capital ratio
10.07%Total risk-based capital ratio
Memoranda
$11Average assets
$90,403Average earning assets
$9,111Average equity
$84,728Average loans

List of branches

2 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	7776	Bank Of Monticello	201 East Lafayette, Monticello, MO 63457	Febuary 27, 1928	Full Service Brick and Mortar
1	226723	Canton Branch	515 White Street, Canton, MO 63457	March 09, 1992	Full Service Brick and Mortar

Bank of Monticello in Monticello, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Monticello - 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:

Bank of Monticello in Monticello, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Monticello - 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:

Bank of Monticello in Monticello, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches