Mainstreet Bank in Ashland, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Mainstreet Bank - Overview

  • General
  • FDIC Certificate #: 13585
    Status: Active
    Federal Reserve ID: 894245
    Bank Holding Company (Regulatory Top Holder): Calvert Financial Corporation (RSSDID: 2868147, Location: Ashland, MO)
    Date Established: October 11, 1923
    WWW: http://www.msbmo.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 8494
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 09, 1934
    Last Structure Change Effective Date: August 19, 2010
    Last Structure Change Process Date: August 19, 2010
    Last Data Update: August 19, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 East Broadway, Ashland, MO 65010
    County: Boone
    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
    Metropolitan Statistical Area (MSA): Columbia, MO (#1740)
    Core Based Statistical Area (CBSA): Columbia, MO (#17860)
    CBSA Metro Statistical Area: Columbia, MO (#17860)
  • Financial Summary
  • Total assets: $61.1 mil
    Equity capital: $6.9 mil
    Deposits held in domestic offices: $51.5 mil
    Return on assets (ROA): 0.59% ($0.4 mil)
    Quarterly return on assets: 0.44% ($0.3 mil)
    Return on Equity (ROE): 5.68% ($0.4 mil)
    Quarterly return on equity: 4.03% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.84% ($513.6 mil)
    Quarterly Pretax return on assets: 0.70% ($428.0 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
  • 9Total employees (full-time equivalent)
  • $61,146Total assets
  • $3,772Cash and due from depository institutions
  • $0Interest-bearing balances
  • $29,917Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $22,181Net loans & leases
  • $606Loan loss allowance
  • $0Trading account assets
  • $1,537Bank premises and fixed assets
  • $850Other real estate owned
  • $736Goodwill and other intangibles
  • $61,146Life insurance assets
  • $2,153All other assets
  • $54,286Total liabilities and capital
  • $51,502Total liabilities
  • $47,760Total deposits
  • $51,502Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,500Trading liabilities
  • $0Other borrowed funds
  • $284Subordinated debt
  • $6,860All other liabilities
  • $6,860Total equity capital
  • $6,860Total bank equity capital
  • $0Perpetual preferred stock
  • $90Common stock
  • $3,804Surplus
  • $2,966Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $427Income earned, not collected on loans
  • $0Earning assets
  • $340Long-term assets (5+ years)
  • $52,098Average Assets, year-to-date
  • $23,573Average Assets, quarterly
  • $61,528Volatile liabilities
  • $62,116Insider loans
  • $35,310FHLB advances
  • $60,703Loans and leases held for sale
  • $1,068Unused loan commitments
  • $1,068Tier 1 (core) risk-based capital
  • $5,657Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,476Restructured Loans and leases
  • $504Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,343Total interest income
  • $872Total interest expense
  • $2,471Net interest income
  • $550Provision for loan and lease losses
  • $189Total noninterest income
  • $0Fiduciary activities
  • $19Service charges on deposit accounts
  • $0Trading account gains & fees
  • $170Additional noninterest income
  • $1,500Total noninterest expense
  • $533Salaries and employee benefits
  • $290Premises and equipment expense
  • $677Additional noninterest expense
  • $610Pre-tax net operating income
  • -$94Securities gains (losses)
  • $151Applicable income taxes
  • $365Income before extraordinary items
  • $0Extraordinary gains - net
  • $365Net income attributable to bank
  • $0Net charge-offs
  • $365Cash dividends
  • $610Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.26%Yield on earning assets
  • 1.63%Cost of funding earning assets
  • 4.63%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 5.68%Return on equity (ROE)
  • 5.68%Retained earnings to average equity (YTD only)
  • 2.39%Net charge-offs to loans
  • 90.16%Credit loss provision to net charge-offs
  • 1.90%Efficiency ratio
  • 56,391Assets per employee
  • 6.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.66%Loss allowance to noncurrent loans
  • 141.92%Noncurrent assets plus other real estate owned to assets
  • 2.09%Noncurrent loans to loans
  • 1.87%Net loans and leases to deposits
  • 43.07%Net loans and leases to core deposits
  • 53.82%Equity capital to assets
  • 11.22%Core capital (leverage) ratio
  • 9.32%Tier 1 risk-based capital ratio
  • 16.02%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $61,528Average earning assets
  • $6,426Average equity
  • $53,381Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08494Mainstreet Bank301 East Broadway, Ashland, MO 65010October 11, 1923Full Service Brick and Mortar
    1420308Bunceton Branch101 West Main Street, Bunceton, MO 65237August 07, 2003Full Service Brick and Mortar
    2224653Prairie Home Branch510 Highway Drive, Prairie Home, MO 65068July 01, 1977Full Service Brick and Mortar

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