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

Bank of Monticello - Overview

  • General
  • FDIC Certificate #: 12232
    Status: Active
    Federal Reserve ID: 937553
    Bank Holding Company (Regulatory Top Holder): Monticello Bancshares, Inc. (RSSDID: 3112472, Location: Monticello, MO)
    Date Established: Febuary 27, 1928
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7776
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 201 East Lafayette, Monticello, MO 63457
    County: Lewis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Quincy, IL-MO (#39500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $95.4 mil
    Equity capital: $9.5 mil
    Deposits held in domestic offices: $78.4 mil
    Return on assets (ROA): 1.80% ($1.7 mil)
    Quarterly return on assets: 1.42% ($1.3 mil)
    Return on Equity (ROE): 17.90% ($1.8 mil)
    Quarterly return on equity: 13.61% ($1.4 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.80% ($1,716.6 mil)
    Quarterly Pretax return on assets: 1.42% ($1,354.2 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
  • 23Total employees (full-time equivalent)
  • $95,364Total assets
  • $6,861Cash and due from depository institutions
  • $2,237Interest-bearing balances
  • $20,867Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $65,013Net loans & leases
  • $873Loan loss allowance
  • $0Trading account assets
  • $457Bank premises and fixed assets
  • $84Other real estate owned
  • $0Goodwill and other intangibles
  • $95,364Life insurance assets
  • $2,082All other assets
  • $85,832Total liabilities and capital
  • $78,440Total liabilities
  • $66,861Total deposits
  • $78,440Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,177Trading liabilities
  • $0Other borrowed funds
  • $215Subordinated debt
  • $9,532All other liabilities
  • $9,532Total equity capital
  • $9,532Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $325Surplus
  • $9,057Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $302Income earned, not collected on loans
  • $0Earning assets
  • $947Long-term assets (5+ years)
  • $88,117Average Assets, year-to-date
  • $24,771Average Assets, quarterly
  • $90,403Volatile liabilities
  • $92,389Insider loans
  • $91,513FHLB advances
  • $89,895Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,215Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,384Restructured Loans and leases
  • $417Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,426Total interest income
  • $987Total interest expense
  • $3,439Net interest income
  • $282Provision for loan and lease losses
  • $334Total noninterest income
  • $0Fiduciary activities
  • $294Service charges on deposit accounts
  • $0Trading account gains & fees
  • $40Additional noninterest income
  • $1,993Total noninterest expense
  • $1,083Salaries and employee benefits
  • $181Premises and equipment expense
  • $729Additional noninterest expense
  • $1,498Pre-tax net operating income
  • $133Securities gains (losses)
  • $0Applicable income taxes
  • $1,631Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,631Net income attributable to bank
  • $0Net charge-offs
  • $1,631Cash dividends
  • $180Sale, conversion, retirement of capital stock, net
  • $1,061Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 4.06%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 2.35%Noninterest expense to earning assets
  • 1.66%Net operating income to assets
  • 1.80%Return on assets (ROA)
  • 1.80%Pretax return on assets
  • 17.90%Return on equity (ROE)
  • 6.26%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 156.67%Credit loss provision to net charge-offs
  • 9.89%Efficiency ratio
  • 52,823Assets per employee
  • 4.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.05%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 289.07%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 82.88%Net loans and leases to core deposits
  • 89.86%Equity capital to assets
  • 10.00%Core capital (leverage) ratio
  • 10.25%Tier 1 risk-based capital ratio
  • 10.07%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $90,403Average earning assets
  • $9,111Average equity
  • $84,728Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07776Bank Of Monticello201 East Lafayette, Monticello, MO 63457Febuary 27, 1928Full Service Brick and Mortar
    1226723Canton Branch515 White Street, Canton, MO 63457March 09, 1992Full Service Brick and Mortar

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