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


Bank of Iberia - Overview

  • General
  • FDIC Certificate #: 8584
    Status: Active
    Federal Reserve ID: 790150
    Bank Holding Company (Regulatory Top Holder): Milco Bancorporation, Inc. (RSSDID: 1118760, Location: Iberia, MO)
    Date Established: October 01, 1899
    WWW: http://www.bankofiberia.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 5483
    Numeric code: 13
    Regulator: FED
    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: All Other Specialization < 1 Billion
    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: 841 E. Hwy 42, Iberia, MO 65486
    County: Miller
    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 Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $57.4 mil
    Equity capital: $4.9 mil
    Deposits held in domestic offices: $50.4 mil
    Return on assets (ROA): 0.67% ($0.4 mil)
    Quarterly return on assets: 0.66% ($0.4 mil)
    Return on Equity (ROE): 7.89% ($0.4 mil)
    Quarterly return on equity: 7.83% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.97% ($556.5 mil)
    Quarterly Pretax return on assets: 0.94% ($539.3 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
  • 19Total employees (full-time equivalent)
  • $57,374Total assets
  • $6,086Cash and due from depository institutions
  • $25Interest-bearing balances
  • $3,799Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $43,815Net loans & leases
  • $532Loan loss allowance
  • $0Trading account assets
  • $1,245Bank premises and fixed assets
  • $576Other real estate owned
  • $0Goodwill and other intangibles
  • $57,374Life insurance assets
  • $1,853All other assets
  • $52,510Total liabilities and capital
  • $50,419Total liabilities
  • $46,119Total deposits
  • $50,419Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $591Subordinated debt
  • $4,864All other liabilities
  • $4,864Total equity capital
  • $4,864Total bank equity capital
  • $0Perpetual preferred stock
  • $290Common stock
  • $1,530Surplus
  • $3,044Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $860Income earned, not collected on loans
  • $0Earning assets
  • $346Long-term assets (5+ years)
  • $47,639Average Assets, year-to-date
  • $8,623Average Assets, quarterly
  • $56,246Volatile liabilities
  • $57,251Insider loans
  • $40,693FHLB advances
  • $56,877Loans and leases held for sale
  • $849Unused loan commitments
  • $849Tier 1 (core) risk-based capital
  • $4,839Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,042Restructured Loans and leases
  • $556Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,385Total interest income
  • $680Total interest expense
  • $2,705Net interest income
  • $128Provision for loan and lease losses
  • $305Total noninterest income
  • $0Fiduciary activities
  • $359Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$54Additional noninterest income
  • $2,339Total noninterest expense
  • $1,145Salaries and employee benefits
  • $296Premises and equipment expense
  • $898Additional noninterest expense
  • $543Pre-tax net operating income
  • $0Securities gains (losses)
  • $166Applicable income taxes
  • $377Income before extraordinary items
  • $0Extraordinary gains - net
  • $377Net income attributable to bank
  • $0Net charge-offs
  • $377Cash dividends
  • $83Sale, conversion, retirement of capital stock, net
  • $232Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.85%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 5.47%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 4.73%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 7.89%Return on equity (ROE)
  • 3.03%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 154.22%Credit loss provision to net charge-offs
  • 8.08%Efficiency ratio
  • 77,708Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.54%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 61.86%Noncurrent assets plus other real estate owned to assets
  • 2.50%Noncurrent loans to loans
  • 1.94%Net loans and leases to deposits
  • 86.90%Net loans and leases to core deposits
  • 89.41%Equity capital to assets
  • 8.48%Core capital (leverage) ratio
  • 8.51%Tier 1 risk-based capital ratio
  • 11.89%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $56,246Average earning assets
  • $4,780Average equity
  • $49,449Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05483Bank Of Iberia841 E. Hwy 42, Iberia, MO 65486October 01, 1899Full Service Brick and Mortar
    1364313Waynesville BranchCash-James Loop Road & Missouri Highway 17, Waynesville, MO 65583May 01, 2002Full Service Brick and Mortar

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