Jonesburg State Bank in Jonesburg, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Jonesburg State Bank in Jonesburg, Missouri (MO)
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Jonesburg State Bank - Overview

  • General
  • FDIC Certificate #: 8896
    Status: Active
    Federal Reserve ID: 733755
    Bank Holding Company (Regulatory Top Holder): Montgomery Bancshares, Inc. (RSSDID: 1100251, Location: Jonesburg, MO)
    Date Established: Febuary 21, 1921
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14456
    FDIC's unique #: 5686
    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: 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: 110 First Street, Jonesburg, MO 63351
    County: Montgomery
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $64.9 mil
    Equity capital: $5.6 mil
    Deposits held in domestic offices: $59.2 mil
    Return on assets (ROA): 1.62% ($1.1 mil)
    Quarterly return on assets: 1.51% ($1.0 mil)
    Return on Equity (ROE): 19.62% ($1.2 mil)
    Quarterly return on equity: 17.96% ($1.1 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.62% ($1,051.0 mil)
    Quarterly Pretax return on assets: 1.51% ($979.7 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
  • 23Total employees (full-time equivalent)
  • $64,878Total assets
  • $11,171Cash and due from depository institutions
  • $8,855Interest-bearing balances
  • $1,855Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $49,316Net loans & leases
  • $656Loan loss allowance
  • $0Trading account assets
  • $1,837Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $64,878Life insurance assets
  • $699All other assets
  • $59,303Total liabilities and capital
  • $59,163Total liabilities
  • $49,637Total deposits
  • $59,163Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $140Subordinated debt
  • $5,575All other liabilities
  • $5,575Total equity capital
  • $5,575Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $150Surplus
  • $5,325Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6Income earned, not collected on loans
  • $0Earning assets
  • $306Long-term assets (5+ years)
  • $60,026Average Assets, year-to-date
  • $3,378Average Assets, quarterly
  • $65,582Volatile liabilities
  • $64,961Insider loans
  • $43,314FHLB advances
  • $64,545Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,558Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,649Restructured Loans and leases
  • $522Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,313Total interest income
  • $585Total interest expense
  • $2,728Net interest income
  • $61Provision for loan and lease losses
  • $435Total noninterest income
  • $0Fiduciary activities
  • $290Service charges on deposit accounts
  • $0Trading account gains & fees
  • $145Additional noninterest income
  • $2,038Total noninterest expense
  • $1,160Salaries and employee benefits
  • $374Premises and equipment expense
  • $504Additional noninterest expense
  • $1,064Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,064Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,064Net income attributable to bank
  • $0Net charge-offs
  • $1,064Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.58%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 4.59%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 1.62%Net operating income to assets
  • 1.62%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 19.62%Return on equity (ROE)
  • 4.87%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 871.43%Credit loss provision to net charge-offs
  • 160.71%Efficiency ratio
  • 64,433Assets per employee
  • 2.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.19%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 10933.33%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 83.36%Net loans and leases to core deposits
  • 89.29%Equity capital to assets
  • 8.59%Core capital (leverage) ratio
  • 8.61%Tier 1 risk-based capital ratio
  • 12.83%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $65,582Average earning assets
  • $5,424Average equity
  • $59,392Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05686Jonesburg State Bank110 First Street, Jonesburg, MO 63351Febuary 21, 1921Full Service Brick and Mortar
    1450809Warrenton Branch508 North Highway 47, Warrenton, MO 63383April 19, 2006Full Service Brick and Mortar

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