FDIC Certificate #: 14695 Status: Active Federal Reserve ID: 34555 Bank Holding Company (Regulatory Top Holder): Macon-Atlanta Bancorp, Inc. (RSSDID: 1133062, Location: Macon, MO) Date Established: January 01, 1893 WWW:http://www.mabank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15895 FDIC's unique #: 9191 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: August 24, 1934 Last Structure Change Effective Date: January 17, 2012 Last Structure Change Process Date: Febuary 02, 2012 Last Data Update: Febuary 02, 2012 Data Source Date: April 05, 2012
Location
Address: 1513 North Missouri Street, Macon, MO 63552 County: Macon 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
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: $212.2 mil Equity capital: $21.8 mil Deposits held in domestic offices: $185.1 mil Return on assets (ROA): 1.04% ($2.2 mil) Quarterly return on assets: 0.58% ($1.2 mil) Return on Equity (ROE): 9.76% ($2.1 mil) Quarterly return on equity: 5.35% ($1.2 mil) Net income: $2.1 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.32% ($2,800.6 mil) Quarterly Pretax return on assets: 0.91% ($1,930.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
43Total employees (full-time equivalent)
$212,167Total assets
$15,282Cash and due from depository institutions
$13,170Interest-bearing balances
$84,509Securities
$3,069Federal funds sold & reverse repurchase agreements
$96,449Net loans & leases
$1,269Loan loss allowance
$0Trading account assets
$2,277Bank premises and fixed assets
$58Other real estate owned
$439Goodwill and other intangibles
$212,167Life insurance assets
$10,084All other assets
$190,320Total liabilities and capital
$185,120Total liabilities
$164,683Total deposits
$185,120Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,300Trading liabilities
$0Other borrowed funds
$1,900Subordinated debt
$21,847All other liabilities
$21,847Total equity capital
$21,847Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$400Surplus
$21,047Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$507Income earned, not collected on loans
$0Earning assets
$1,954Long-term assets (5+ years)
$197,197Average Assets, year-to-date
$42,488Average Assets, quarterly
$202,858Volatile liabilities
$206,373Insider loans
$148,264FHLB advances
$205,916Loans and leases held for sale
$4,703Unused loan commitments
$4,703Tier 1 (core) risk-based capital
$20,597Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,868Restructured Loans and leases
$2,237Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,131Total interest income
$2,560Total interest expense
$5,571Net interest income
$145Provision for loan and lease losses
$1,697Total noninterest income
$0Fiduciary activities
$150Service charges on deposit accounts
$0Trading account gains & fees
$1,547Additional noninterest income
$4,443Total noninterest expense
$2,705Salaries and employee benefits
$431Premises and equipment expense
$1,307Additional noninterest expense
$2,680Pre-tax net operating income
$1Securities gains (losses)
$576Applicable income taxes
$2,105Income before extraordinary items
$0Extraordinary gains - net
$2,105Net income attributable to bank
$0Net charge-offs
$2,105Cash dividends
$59Sale, conversion, retirement of capital stock, net
$1,150Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.34%Yield on earning assets
1.37%Cost of funding earning assets
2.97%Net interest margin
0.91%Noninterest income to earning assets
2.37%Noninterest expense to earning assets
1.04%Net operating income to assets
1.04%Return on assets (ROA)
1.32%Pretax return on assets
9.76%Return on equity (ROE)
4.43%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
245.76%Credit loss provision to net charge-offs
47.88%Efficiency ratio
61,131Assets per employee
4.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
54.63%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
250.30%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.52%Net loans and leases to deposits
52.10%Net loans and leases to core deposits
57.13%Equity capital to assets
10.30%Core capital (leverage) ratio
10.00%Tier 1 risk-based capital ratio
13.89%Total risk-based capital ratio
Memoranda
$15Average assets
$202,858Average earning assets
$21,571Average equity
$187,366Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9191
Macon-Atlanta State Bank
1513 North Missouri Street, Macon, MO 63552
January 01, 1893
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Macon-Atlanta State Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: