Bank of Montgomery in Montgomery, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Montgomery - Overview

  • General
  • FDIC Certificate #: 1373
    Status: Active
    Federal Reserve ID: 684455
    Bank Holding Company (Regulatory Top Holder): Grant Bancshares, Inc. (RSSDID: 3203138, Location: Natchitoches, LA)
    Date Established: October 05, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 898
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 20, 2008
    Last Structure Change Process Date: Febuary 20, 2008
    Last Data Update: Febuary 20, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 Caddo Street, Montgomery, LA 71454
    County: Grant
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Alexandria, LA (#10780)
    CBSA Metro Statistical Area: Alexandria, LA (#10780)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $174.7 mil
    Equity capital: $16.7 mil
    Deposits held in domestic offices: $157.1 mil
    Return on assets (ROA): 3.66% ($6.4 mil)
    Quarterly return on assets: 0.95% ($1.7 mil)
    Return on Equity (ROE): 40.88% ($6.9 mil)
    Quarterly return on equity: 9.72% ($1.7 mil)
    Net income: $6.2 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 3.66% ($6,394.1 mil)
    Quarterly Pretax return on assets: 0.95% ($1,659.7 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
  • 53Total employees (full-time equivalent)
  • $174,702Total assets
  • $5,127Cash and due from depository institutions
  • $557Interest-bearing balances
  • $22,032Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $134,844Net loans & leases
  • $900Loan loss allowance
  • $0Trading account assets
  • $5,875Bank premises and fixed assets
  • $112Other real estate owned
  • $328Goodwill and other intangibles
  • $174,702Life insurance assets
  • $6,384All other assets
  • $158,009Total liabilities and capital
  • $157,090Total liabilities
  • $138,530Total deposits
  • $157,090Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 50.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $869Subordinated debt
  • $16,693All other liabilities
  • $16,693Total equity capital
  • $16,693Total bank equity capital
  • $0Perpetual preferred stock
  • $35Common stock
  • $8,546Surplus
  • $8,112Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $416Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $605Income earned, not collected on loans
  • $0Earning assets
  • $1,072Long-term assets (5+ years)
  • $157,433Average Assets, year-to-date
  • $47,843Average Assets, quarterly
  • $170,174Volatile liabilities
  • $173,941Insider loans
  • $123,838FHLB advances
  • $172,337Loans and leases held for sale
  • $2,234Unused loan commitments
  • $2,234Tier 1 (core) risk-based capital
  • $15,687Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,832Restructured Loans and leases
  • $1,912Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,333Total interest income
  • $1,677Total interest expense
  • $8,656Net interest income
  • $574Provision for loan and lease losses
  • $4,314Total noninterest income
  • $0Fiduciary activities
  • $766Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,548Additional noninterest income
  • $6,212Total noninterest expense
  • $3,331Salaries and employee benefits
  • $582Premises and equipment expense
  • $2,299Additional noninterest expense
  • $6,184Pre-tax net operating income
  • $46Securities gains (losses)
  • $0Applicable income taxes
  • $6,230Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,230Net income attributable to bank
  • $0Net charge-offs
  • $6,230Cash dividends
  • $374Sale, conversion, retirement of capital stock, net
  • $4,235Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.71%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 5.62%Net interest margin
  • 2.80%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • 3.63%Net operating income to assets
  • 3.66%Return on assets (ROA)
  • 3.66%Pretax return on assets
  • 40.88%Return on equity (ROE)
  • 13.09%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 153.48%Credit loss provision to net charge-offs
  • 18.07%Efficiency ratio
  • 47,895Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.98%Loss allowance to loans
  • 0.66%Loss allowance to noncurrent loans
  • 148.76%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.45%Net loans and leases to deposits
  • 85.84%Net loans and leases to core deposits
  • 100.90%Equity capital to assets
  • 9.56%Core capital (leverage) ratio
  • 9.10%Tier 1 risk-based capital ratio
  • 12.67%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $170,174Average earning assets
  • $15,240Average equity
  • $153,967Average loans

List of branches

  • 4 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0898Bank Of Montgomery1000 Caddo Street, Montgomery, LA 71454October 05, 1903Full Service Brick and Mortar
    1189422Cane River Branch14256 Highway 1, Derry, LA 71416April 25, 1996Full Service Brick and Mortar
    2358951Natchitoches Branch952 Keyser Ave., Natchitoches, LA 71457October 10, 2000Full Service Brick and Mortar
    4460553Washington Square Branch814 Washington Street, Natchitoches, LA 71457March 05, 2007Full Service Brick and Mortar

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