FDIC Certificate #: 16423 Status: Active Federal Reserve ID: 26457 Bank Holding Company (Regulatory Top Holder): Country Agencies & Investments, Inc. (RSSDID: 1053339, Location: Odessa, MO) Date Established: May 18, 1946 WWW:http://www.lamontecommunitybank.com 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 #: 10598 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: May 18, 1946 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 Front Street, La Monte, MO 65337 County: Pettis Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Columbia Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Sedalia, MO (#42740) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $24.8 mil Equity capital: $3.1 mil Deposits held in domestic offices: $21.6 mil Return on assets (ROA): 0.72% ($0.2 mil) Quarterly return on assets: 0.76% ($0.2 mil) Return on Equity (ROE): 5.92% ($0.2 mil) Quarterly return on equity: 6.17% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.11% ($275.2 mil) Quarterly Pretax return on assets: 1.18% ($292.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
8Total employees (full-time equivalent)
$24,789Total assets
$1,362Cash and due from depository institutions
$500Interest-bearing balances
$4,860Securities
$0Federal funds sold & reverse repurchase agreements
$18,109Net loans & leases
$188Loan loss allowance
$0Trading account assets
$89Bank premises and fixed assets
$121Other real estate owned
$0Goodwill and other intangibles
$24,789Life insurance assets
$248All other assets
$21,723Total liabilities and capital
$21,618Total liabilities
$19,082Total deposits
$21,618Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$105Subordinated debt
$3,066All other liabilities
$3,066Total equity capital
$3,066Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$250Surplus
$2,716Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$201Long-term assets (5+ years)
$23,469Average Assets, year-to-date
$151Average Assets, quarterly
$24,766Volatile liabilities
$24,842Insider loans
$17,221FHLB advances
$24,741Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,039Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,096Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,132Total interest income
$161Total interest expense
$971Net interest income
$0Provision for loan and lease losses
$51Total noninterest income
$0Fiduciary activities
$31Service charges on deposit accounts
$0Trading account gains & fees
$20Additional noninterest income
$750Total noninterest expense
$428Salaries and employee benefits
$72Premises and equipment expense
$250Additional noninterest expense
$272Pre-tax net operating income
$3Securities gains (losses)
$97Applicable income taxes
$178Income before extraordinary items
$0Extraordinary gains - net
$178Net income attributable to bank
$0Net charge-offs
$178Cash dividends
$0Sale, conversion, retirement of capital stock, net
$200Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.86%Yield on earning assets
0.69%Cost of funding earning assets
4.17%Net interest margin
0.22%Noninterest income to earning assets
3.22%Noninterest expense to earning assets
0.71%Net operating income to assets
0.72%Return on assets (ROA)
1.11%Pretax return on assets
5.92%Return on equity (ROE)
-0.73%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
73,386Assets per employee
3.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
112.36%Loss allowance to loans
1.03%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.49%Noncurrent loans to loans
0.00%Net loans and leases to deposits
83.77%Net loans and leases to core deposits
83.77%Equity capital to assets
12.37%Core capital (leverage) ratio
12.28%Tier 1 risk-based capital ratio
17.65%Total risk-based capital ratio
Memoranda
$19Average assets
$24,766Average earning assets
$3,006Average equity
$23,280Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10598
La Monte Community Bank
201 East Front Street, La Monte, MO 65337
May 18, 1946
Full Service Brick and Mortar
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