FDIC Certificate #: 8594 Status: Active Federal Reserve ID: 753052 Bank Holding Company (Regulatory Top Holder): Montrose Savings Bancshares, Inc. (RSSDID: 1062694, Location: Montrose, MO) Date Established: January 01, 1895 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 #: 5490 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: August 12, 2010 Last Structure Change Process Date: August 12, 2010 Last Data Update: August 12, 2010 Data Source Date: April 05, 2012
Location
Address: 401 Missouri Avenue, Montrose, MO 64770 County: Henry Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $38.9 mil Equity capital: $4.8 mil Deposits held in domestic offices: $34.0 mil Return on assets (ROA): 1.65% ($0.6 mil) Quarterly return on assets: 1.24% ($0.5 mil) Return on Equity (ROE): 12.91% ($0.6 mil) Quarterly return on equity: 9.54% ($0.5 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.58% ($614.3 mil) Quarterly Pretax return on assets: 1.24% ($482.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$38,880Total assets
$2,866Cash and due from depository institutions
$0Interest-bearing balances
$10,445Securities
$1,027Federal funds sold & reverse repurchase agreements
$23,568Net loans & leases
$227Loan loss allowance
$0Trading account assets
$179Bank premises and fixed assets
$298Other real estate owned
$0Goodwill and other intangibles
$38,880Life insurance assets
$497All other assets
$34,062Total liabilities and capital
$33,986Total liabilities
$28,657Total deposits
$33,986Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$76Subordinated debt
$4,818All other liabilities
$4,818Total equity capital
$4,818Total bank equity capital
$0Perpetual preferred stock
$275Common stock
$150Surplus
$4,393Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$165Income earned, not collected on loans
$0Earning assets
$420Long-term assets (5+ years)
$35,040Average Assets, year-to-date
$4,666Average Assets, quarterly
$38,205Volatile liabilities
$38,512Insider loans
$26,855FHLB advances
$39,371Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,760Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,896Restructured Loans and leases
$228Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,770Total interest income
$322Total interest expense
$1,448Net interest income
$39Provision for loan and lease losses
$131Total noninterest income
$0Fiduciary activities
$98Service charges on deposit accounts
$0Trading account gains & fees
$33Additional noninterest income
$935Total noninterest expense
$577Salaries and employee benefits
$49Premises and equipment expense
$309Additional noninterest expense
$605Pre-tax net operating income
$0Securities gains (losses)
-$24Applicable income taxes
$629Income before extraordinary items
$0Extraordinary gains - net
$629Net income attributable to bank
$0Net charge-offs
$629Cash dividends
$11Sale, conversion, retirement of capital stock, net
$687Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.03%Yield on earning assets
0.91%Cost of funding earning assets
4.11%Net interest margin
0.37%Noninterest income to earning assets
2.66%Noninterest expense to earning assets
1.65%Net operating income to assets
1.65%Return on assets (ROA)
1.58%Pretax return on assets
12.91%Return on equity (ROE)
-1.19%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
354.55%Credit loss provision to net charge-offs
58.55%Efficiency ratio
59,215Assets per employee
3.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
109.22%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
137.58%Noncurrent assets plus other real estate owned to assets
1.19%Noncurrent loans to loans
0.69%Net loans and leases to deposits
69.35%Net loans and leases to core deposits
69.86%Equity capital to assets
12.39%Core capital (leverage) ratio
12.09%Tier 1 risk-based capital ratio
17.72%Total risk-based capital ratio
Memoranda
$19Average assets
$38,205Average earning assets
$4,870Average equity
$35,212Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5490
Montrose Savings Bank
401 Missouri Avenue, Montrose, MO 64770
January 01, 1895
Full Service Brick and Mortar
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