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

American Bank of Missouri - Overview

  • General
  • FDIC Certificate #: 15423
    Status: Active
    Federal Reserve ID: 568359
    Bank Holding Company (Regulatory Top Holder): Evergreen Bancshares, Inc. (RSSDID: 3450521, Location: Saint Louis, MO)
    Date Established: March 15, 1880
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 9739
    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: Commercial Lending Specialization
    Date of Deposit Insurance: September 14, 1936
    Last Structure Change Effective Date: October 18, 2007
    Last Structure Change Process Date: October 30, 2007
    Last Data Update: October 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 127 West Hudson, Wellsville, MO 63384
    County: Montgomery
    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
  • Financial Summary
  • Total assets: $103.9 mil
    Equity capital: $15.1 mil
    Deposits held in domestic offices: $81.1 mil
    Return on assets (ROA): 0.20% ($0.2 mil)
    Quarterly return on assets: -0.12% (-$0.1 mil)
    Return on Equity (ROE): 1.39% ($0.2 mil)
    Quarterly return on equity: -0.79% (-$0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.39% (-$405.3 mil)
    Quarterly Pretax return on assets: -0.20% (-$207.9 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
  • 37Total employees (full-time equivalent)
  • $103,931Total assets
  • $4,360Cash and due from depository institutions
  • $1,150Interest-bearing balances
  • $6,856Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $78,895Net loans & leases
  • $1,395Loan loss allowance
  • $0Trading account assets
  • $5,394Bank premises and fixed assets
  • $1,837Other real estate owned
  • $3,946Goodwill and other intangibles
  • $103,930Life insurance assets
  • $2,643All other assets
  • $88,852Total liabilities and capital
  • $81,064Total liabilities
  • $73,567Total deposits
  • $81,064Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,500Trading liabilities
  • $0Other borrowed funds
  • $288Subordinated debt
  • $15,078All other liabilities
  • $15,078Total equity capital
  • $15,078Total bank equity capital
  • $0Perpetual preferred stock
  • $155Common stock
  • $16,101Surplus
  • $-1,178Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $409Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,887Income earned, not collected on loans
  • $0Earning assets
  • $430Long-term assets (5+ years)
  • $86,901Average Assets, year-to-date
  • $5,448Average Assets, quarterly
  • $104,635Volatile liabilities
  • $103,381Insider loans
  • $74,911FHLB advances
  • $98,155Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,170Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,825Restructured Loans and leases
  • $3,225Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,429Total interest income
  • $1,124Total interest expense
  • $4,305Net interest income
  • $835Provision for loan and lease losses
  • $863Total noninterest income
  • $0Fiduciary activities
  • $273Service charges on deposit accounts
  • $0Trading account gains & fees
  • $590Additional noninterest income
  • $4,738Total noninterest expense
  • $2,089Salaries and employee benefits
  • $555Premises and equipment expense
  • $2,094Additional noninterest expense
  • -$405Pre-tax net operating income
  • $1Securities gains (losses)
  • -$612Applicable income taxes
  • $208Income before extraordinary items
  • $0Extraordinary gains - net
  • $208Net income attributable to bank
  • $0Net charge-offs
  • $208Cash dividends
  • $1,071Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.19%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 4.91%Net interest margin
  • 0.98%Noninterest income to earning assets
  • 5.41%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.20%Return on assets (ROA)
  • -0.39%Pretax return on assets
  • 1.39%Return on equity (ROE)
  • 1.39%Retained earnings to average equity (YTD only)
  • 1.37%Net charge-offs to loans
  • 77.96%Credit loss provision to net charge-offs
  • 0.40%Efficiency ratio
  • 89,396Assets per employee
  • 2.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 73.93%Noncurrent assets plus other real estate owned to assets
  • 3.58%Noncurrent loans to loans
  • 2.35%Net loans and leases to deposits
  • 97.32%Net loans and leases to core deposits
  • 116.76%Equity capital to assets
  • 14.51%Core capital (leverage) ratio
  • 10.36%Tier 1 risk-based capital ratio
  • 13.58%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $104,635Average earning assets
  • $15,010Average equity
  • $87,655Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09739American Bank Of Missouri127 West Hudson, Wellsville, MO 63384March 15, 1880Full Service Brick and Mortar
    1420138728 North Sturgeon Branch728 North Sturgeon, Montgomery City, MO 63361April 05, 1993Full Service Brick and Mortar
    2426728Middletown Branch101 North Cherry, Middletown, MO 63359Febuary 06, 2004Full Service Brick and Mortar
    3467231Wright City Branch690 North Service Road West, Wright City, MO 63390March 26, 2007Full Service Brick and Mortar
    4481504American Bank Of Missouri - Warrento917 North Outer Road, Warrenton, MO 63383October 01, 2008Full Service Brick and Mortar

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