Martinsburg Bank and Trust in Mexico, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Martinsburg Bank and Trust - Overview

  • General
  • FDIC Certificate #: 8270
    Status: Active
    Federal Reserve ID: 810553
    Bank Holding Company (Regulatory Top Holder): Martinsburg Bancorp, Inc. (RSSDID: 1133099, Location: Martinsburg, MO)
    Date Established: April 03, 1893
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 13728
    FDIC's unique #: 5276
    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: 400 South Muldrow, Mexico, MO 65265
    County: Audrain
    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): Mexico, MO (#33020)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $169.2 mil
    Equity capital: $20.5 mil
    Deposits held in domestic offices: $129.7 mil
    Return on assets (ROA): 1.52% ($2.6 mil)
    Quarterly return on assets: 1.65% ($2.8 mil)
    Return on Equity (ROE): 13.29% ($2.8 mil)
    Quarterly return on equity: 13.59% ($2.9 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.52% ($2,572.1 mil)
    Quarterly Pretax return on assets: 1.66% ($2,809.0 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
  • 52Total employees (full-time equivalent)
  • $169,217Total assets
  • $8,394Cash and due from depository institutions
  • $2,806Interest-bearing balances
  • $29,711Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $121,665Net loans & leases
  • $1,662Loan loss allowance
  • $0Trading account assets
  • $3,523Bank premises and fixed assets
  • $133Other real estate owned
  • $0Goodwill and other intangibles
  • $169,217Life insurance assets
  • $5,791All other assets
  • $148,675Total liabilities and capital
  • $129,748Total liabilities
  • $109,944Total deposits
  • $129,748Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 3396.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $531Subordinated debt
  • $20,542All other liabilities
  • $20,542Total equity capital
  • $20,542Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,302Surplus
  • $19,090Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $94Income earned, not collected on loans
  • $0Earning assets
  • $1,469Long-term assets (5+ years)
  • $154,182Average Assets, year-to-date
  • $65,044Average Assets, quarterly
  • $174,080Volatile liabilities
  • $169,422Insider loans
  • $129,196FHLB advances
  • $168,654Loans and leases held for sale
  • $1,920Unused loan commitments
  • $1,920Tier 1 (core) risk-based capital
  • $20,206Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,698Restructured Loans and leases
  • $6,124Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,076Total interest income
  • $1,557Total interest expense
  • $6,519Net interest income
  • $387Provision for loan and lease losses
  • $1,259Total noninterest income
  • $30Fiduciary activities
  • $672Service charges on deposit accounts
  • $0Trading account gains & fees
  • $557Additional noninterest income
  • $4,892Total noninterest expense
  • $2,708Salaries and employee benefits
  • $849Premises and equipment expense
  • $1,335Additional noninterest expense
  • $2,499Pre-tax net operating income
  • $148Securities gains (losses)
  • $5Applicable income taxes
  • $2,642Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,642Net income attributable to bank
  • $0Net charge-offs
  • $2,642Cash dividends
  • $70Sale, conversion, retirement of capital stock, net
  • $1,319Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 3.05%Noninterest expense to earning assets
  • 1.43%Net operating income to assets
  • 1.52%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 13.29%Return on equity (ROE)
  • 6.66%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 552.86%Credit loss provision to net charge-offs
  • 41.23%Efficiency ratio
  • 62,895Assets per employee
  • 3.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.92%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 1768.09%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 93.77%Net loans and leases to core deposits
  • 98.49%Equity capital to assets
  • 12.14%Core capital (leverage) ratio
  • 11.98%Tier 1 risk-based capital ratio
  • 15.64%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $174,080Average earning assets
  • $19,872Average equity
  • $160,234Average 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
  • $5,235Managed Assets
  • 1Number of Accounts
  • $5,013Personal trust and agency accounts
  • $3,494Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,519Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 17Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $222Other retirement accounts
  • $222Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 8 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05276Martinsburg Bank And Trust400 South Muldrow, Mexico, MO 65265April 03, 1893Full Service Brick and Mortar
    1218215Martinsburg Branch301 West Kellett St, Martinsburg, MO 65264April 05, 1988Full Service Brick and Mortar
    2218216Wellsville Facility106 East Hudson, Wellsville, MO 63384March 01, 1991Full Service Brick and Mortar
    3218217Montgomery City Branch1265 Aguilar Drive, Montgomery City, MO 63361September 15, 1997Full Service Brick and Mortar
    4218218Centralia Branch214 South Allen Street, Centralia, MO 65240June 21, 1999Full Service Brick and Mortar
    5422945Hallsville Branch500 North Route B, Hallsville, MO 65255September 15, 2003Full Service Brick and Mortar
    6447430Martinsburg Bank And Trust1300b Highway 54, Vandalia, MO 63382Febuary 01, 2006Full Service Brick and Mortar
    7479121Martinsburg Bank And Trust Branch205 E Nifong, Suite 200, Columbia, MO 65203December 17, 2007Full Service Retail

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