Bank of Iberia in city_name, state_name - Detailed Financial Reports, Location

Bank of Iberia in Iberia, Missouri (MO)
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Bank of Iberia routing number info

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

No	ID	Name	Address	Established	Service Type	Map
0	5483	Bank Of Iberia	841 E. Hwy 42, Iberia, MO 65486	October 01, 1899	Full Service Brick and Mortar
1	364313	Waynesville Branch	Cash-James Loop Road & Missouri Highway 17, Waynesville, MO 65583	May 01, 2002	Full Service Brick and Mortar

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

Bank of Iberia - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Bank of Iberia - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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