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


Bank of New Madrid - Overview

  • General
  • FDIC Certificate #: 14701
    Status: Active
    Federal Reserve ID: 688556
    Bank Holding Company (Regulatory Top Holder): Dixie Bancshares Corp. (RSSDID: 1095272, Location: New Madrid, MO)
    Date Established: January 01, 1933
    WWW: http://www.bankofnewmadrid.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13112
    FDIC's unique #: 9196
    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: August 25, 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: 229 Main Street, New Madrid, MO 63869
    County: New Madrid
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $81.7 mil
    Equity capital: $8.4 mil
    Deposits held in domestic offices: $71.0 mil
    Return on assets (ROA): 1.07% ($0.9 mil)
    Quarterly return on assets: 1.33% ($1.1 mil)
    Return on Equity (ROE): 11.10% ($0.9 mil)
    Quarterly return on equity: 12.91% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.07% ($874.3 mil)
    Quarterly Pretax return on assets: 1.33% ($1,086.7 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
  • 28Total employees (full-time equivalent)
  • $81,709Total assets
  • $11,214Cash and due from depository institutions
  • $6,381Interest-bearing balances
  • $22,610Securities
  • $1,241Federal funds sold & reverse repurchase agreements
  • $42,638Net loans & leases
  • $404Loan loss allowance
  • $0Trading account assets
  • $1,485Bank premises and fixed assets
  • $1,087Other real estate owned
  • $0Goodwill and other intangibles
  • $81,709Life insurance assets
  • $1,434All other assets
  • $73,266Total liabilities and capital
  • $70,985Total liabilities
  • $48,545Total deposits
  • $70,985Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $281Subordinated debt
  • $8,443All other liabilities
  • $8,443Total equity capital
  • $8,443Total bank equity capital
  • $0Perpetual preferred stock
  • $414Common stock
  • $1,286Surplus
  • $6,743Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $22Income earned, not collected on loans
  • $0Earning assets
  • $847Long-term assets (5+ years)
  • $72,870Average Assets, year-to-date
  • $14,553Average Assets, quarterly
  • $82,124Volatile liabilities
  • $80,833Insider loans
  • $52,987FHLB advances
  • $79,628Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,202Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,548Restructured Loans and leases
  • $2,226Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,875Total interest income
  • $506Total interest expense
  • $3,369Net interest income
  • $86Provision for loan and lease losses
  • $481Total noninterest income
  • $1Fiduciary activities
  • $308Service charges on deposit accounts
  • $0Trading account gains & fees
  • $172Additional noninterest income
  • $2,924Total noninterest expense
  • $1,650Salaries and employee benefits
  • $239Premises and equipment expense
  • $1,035Additional noninterest expense
  • $840Pre-tax net operating income
  • $42Securities gains (losses)
  • $0Applicable income taxes
  • $882Income before extraordinary items
  • $0Extraordinary gains - net
  • $882Net income attributable to bank
  • $0Net charge-offs
  • $882Cash dividends
  • $272Sale, conversion, retirement of capital stock, net
  • $761Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.48%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.89%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 11.10%Return on equity (ROE)
  • 1.52%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 31.62%Credit loss provision to net charge-offs
  • 3.40%Efficiency ratio
  • 75,948Assets per employee
  • 2.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.28%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 1836.36%Noncurrent assets plus other real estate owned to assets
  • 1.36%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 60.07%Net loans and leases to core deposits
  • 63.46%Equity capital to assets
  • 10.33%Core capital (leverage) ratio
  • 10.30%Tier 1 risk-based capital ratio
  • 15.48%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $82,124Average earning assets
  • $7,949Average equity
  • $75,159Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $991Managed Assets
  • 1Number of Accounts
  • $991Personal trust and agency accounts
  • $991Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 4Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09196Bank Of New Madrid229 Main Street, New Madrid, MO 63869January 01, 1933Full Service Brick and Mortar
    112004Lilbourn BranchThird And Dawson Streets, Lilbourn, MO 63862September 21, 1959Full Service Brick and Mortar
    2231956Portageville Branch112 East First Street, Portageville, MO 63873November 03, 1997Full Service Brick and Mortar

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