Bank of Montgomery in Montgomery, Louisiana (LA)

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Bank of Montgomery
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)53
Total assets$174,702
Cash and due from depository institutions$5,127
Interest-bearing balances$557
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$134,844
Loan loss allowance $900
Trading account assets$0
Bank premises and fixed assets$5,875
Other real estate owned$112
Goodwill and other intangibles$328
All other assets$6,384
Life insurance assets$174,702
Total liabilities and capital$158,009
Total liabilities$157,090
Total deposits$138,530
Interest-bearing deposits$157,090
Deposits held in domestic offices$93
% insured (estimated)50.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $869
All other liabilities $16,693
Total equity capital$16,693
Total bank equity capital$16,693
Perpetual preferred stock$0
Common stock$35
Undivided profits $8,112
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $416
Income earned, not collected on loans $605
Earning assets $0
Long-term assets (5+ years) $1,072
Average Assets, year-to-date $157,433
Average Assets, quarterly $47,843
Volatile liabilities $170,174
Insider loans $173,941
FHLB advances $123,838
Loans and leases held for sale $172,337
Unused loan commitments $2,234
Tier 1 (core) risk-based capital $2,234
Tier 2 risk-based capital $15,687
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,832
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,333
Total interest expense $1,677
Net interest income $8,656
Provision for loan and lease losses $574
Total noninterest income $4,314
Fiduciary activities $0
Service charges on deposit accounts $766
Trading account gains & fees $0
Additional noninterest income $3,548
Total noninterest expense $6,212
Salaries and employee benefits $3,331
Premises and equipment expense $582
Additional noninterest expense $2,299
Pre-tax net operating income $6,184
Securities gains (losses) $46
Applicable income taxes $0
Income before extraordinary items $6,230
Extraordinary gains - net $0
Net income attributable to bank $6,230
Net charge-offs $0
Cash dividends $6,230
Sale, conversion, retirement of capital stock, net $374
Net operating income $4,235
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.71%
Cost of funding earning assets 1.09%
Net interest margin 5.62%
Noninterest income to earning assets 2.80%
Noninterest expense to earning assets 4.03%
Net operating income to assets 3.63%
Return on assets (ROA) 3.66%
Pretax return on assets 3.66%
Return on equity (ROE) 40.88%
Retained earnings to average equity (YTD only) 13.09%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 153.48%
Efficiency ratio18.07%
Assets per employee$47,895
Cash dividends to net income (YTD only)3.30%
Condition Ratios (%)
Loss allowance to loans 67.98%
Loss allowance to noncurrent loans 0.66%
Noncurrent assets plus other real estate owned to assets 148.76%
Noncurrent loans to loans 0.41%
Net loans and leases to deposits0.45%
Net loans and leases to core deposits 85.84%
Equity capital to assets 100.90%
Core capital (leverage) ratio 9.56%
Tier 1 risk-based capital ratio 9.10%
Total risk-based capital ratio 12.67%
Average assets$13
Average earning assets$170,174
Average equity $15,240
Average loans $153,967
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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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