La Monte Community Bank in La Monte, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

La Monte Community Bank - Overview

  • General
  • FDIC Certificate #: 16423
    Status: Active
    Federal Reserve ID: 26457
    Bank Holding Company (Regulatory Top Holder): Country Agencies & Investments, Inc. (RSSDID: 1053339, Location: Odessa, MO)
    Date Established: May 18, 1946
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 10598
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: May 18, 1946
    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 Front Street, La Monte, MO 65337
    County: Pettis
    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
    Core Based Statistical Area (CBSA): Sedalia, MO (#42740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $24.8 mil
    Equity capital: $3.1 mil
    Deposits held in domestic offices: $21.6 mil
    Return on assets (ROA): 0.72% ($0.2 mil)
    Quarterly return on assets: 0.76% ($0.2 mil)
    Return on Equity (ROE): 5.92% ($0.2 mil)
    Quarterly return on equity: 6.17% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.11% ($275.2 mil)
    Quarterly Pretax return on assets: 1.18% ($292.5 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
  • 8Total employees (full-time equivalent)
  • $24,789Total assets
  • $1,362Cash and due from depository institutions
  • $500Interest-bearing balances
  • $4,860Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $18,109Net loans & leases
  • $188Loan loss allowance
  • $0Trading account assets
  • $89Bank premises and fixed assets
  • $121Other real estate owned
  • $0Goodwill and other intangibles
  • $24,789Life insurance assets
  • $248All other assets
  • $21,723Total liabilities and capital
  • $21,618Total liabilities
  • $19,082Total deposits
  • $21,618Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $105Subordinated debt
  • $3,066All other liabilities
  • $3,066Total equity capital
  • $3,066Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $250Surplus
  • $2,716Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $201Long-term assets (5+ years)
  • $23,469Average Assets, year-to-date
  • $151Average Assets, quarterly
  • $24,766Volatile liabilities
  • $24,842Insider loans
  • $17,221FHLB advances
  • $24,741Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,039Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,096Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,132Total interest income
  • $161Total interest expense
  • $971Net interest income
  • $0Provision for loan and lease losses
  • $51Total noninterest income
  • $0Fiduciary activities
  • $31Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20Additional noninterest income
  • $750Total noninterest expense
  • $428Salaries and employee benefits
  • $72Premises and equipment expense
  • $250Additional noninterest expense
  • $272Pre-tax net operating income
  • $3Securities gains (losses)
  • $97Applicable income taxes
  • $178Income before extraordinary items
  • $0Extraordinary gains - net
  • $178Net income attributable to bank
  • $0Net charge-offs
  • $178Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 5.92%Return on equity (ROE)
  • -0.73%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 73,386Assets per employee
  • 3.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 112.36%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 83.77%Net loans and leases to core deposits
  • 83.77%Equity capital to assets
  • 12.37%Core capital (leverage) ratio
  • 12.28%Tier 1 risk-based capital ratio
  • 17.65%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $24,766Average earning assets
  • $3,006Average equity
  • $23,280Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010598La Monte Community Bank201 East Front Street, La Monte, MO 65337May 18, 1946Full Service Brick and Mortar

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