Mid America Bank & Trust Company in Dixon, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Mid America Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 1624
    Status: Active
    Federal Reserve ID: 894151
    Bank Holding Company (Regulatory Top Holder): Mid America Banking Corporation (RSSDID: 2600347, Location: Columbia, MO)
    Date Established: January 03, 1920
    WWW: http://www.midamericabanking.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 #: 1064
    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: 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: 216 West Second Street, Dixon, MO 65459
    County: Pulaski
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Fort Leonard Wood, MO (#22780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $128.5 mil
    Equity capital: $14.1 mil
    Deposits held in domestic offices: $106.9 mil
    Return on assets (ROA): 1.38% ($1.8 mil)
    Quarterly return on assets: 1.61% ($2.1 mil)
    Return on Equity (ROE): 13.13% ($1.8 mil)
    Quarterly return on equity: 14.81% ($2.1 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.40% ($1,799.2 mil)
    Quarterly Pretax return on assets: 1.62% ($2,081.9 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
  • 50Total employees (full-time equivalent)
  • $128,512Total assets
  • $3,844Cash and due from depository institutions
  • $1,213Interest-bearing balances
  • $19,124Securities
  • $1,376Federal funds sold & reverse repurchase agreements
  • $93,096Net loans & leases
  • $972Loan loss allowance
  • $0Trading account assets
  • $4,910Bank premises and fixed assets
  • $680Other real estate owned
  • $2,233Goodwill and other intangibles
  • $128,512Life insurance assets
  • $3,249All other assets
  • $114,388Total liabilities and capital
  • $106,944Total liabilities
  • $95,064Total deposits
  • $106,944Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,500Trading liabilities
  • $0Other borrowed funds
  • $1,944Subordinated debt
  • $14,124All other liabilities
  • $14,124Total equity capital
  • $14,124Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $15,031Surplus
  • $-1,027Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $379Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $767Income earned, not collected on loans
  • $0Earning assets
  • $730Long-term assets (5+ years)
  • $114,809Average Assets, year-to-date
  • $26,209Average Assets, quarterly
  • $123,296Volatile liabilities
  • $127,240Insider loans
  • $96,087FHLB advances
  • $123,438Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,321Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,044Restructured Loans and leases
  • $312Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,579Total interest income
  • $1,461Total interest expense
  • $5,118Net interest income
  • $850Provision for loan and lease losses
  • $1,821Total noninterest income
  • $0Fiduciary activities
  • $220Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,601Additional noninterest income
  • $4,467Total noninterest expense
  • $1,952Salaries and employee benefits
  • $495Premises and equipment expense
  • $2,020Additional noninterest expense
  • $1,622Pre-tax net operating income
  • $102Securities gains (losses)
  • $24Applicable income taxes
  • $1,700Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,700Net income attributable to bank
  • $0Net charge-offs
  • $1,700Cash dividends
  • $1,106Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.02%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 4.68%Net interest margin
  • 1.67%Noninterest income to earning assets
  • 4.09%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 13.13%Return on equity (ROE)
  • 13.13%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 76.85%Credit loss provision to net charge-offs
  • 2.24%Efficiency ratio
  • 64,375Assets per employee
  • 2.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 126.73%Noncurrent assets plus other real estate owned to assets
  • 1.13%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 87.05%Net loans and leases to core deposits
  • 88.73%Equity capital to assets
  • 10.99%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 11.78%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $123,296Average earning assets
  • $12,945Average equity
  • $109,324Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01064Mid America Bank & Trust Company216 West Second Street, Dixon, MO 65459January 03, 1920Full Service Brick and Mortar
    1189915St. Robert Branch434 Highway Y, Waynesville, MO 65583September 01, 1999Full Service Brick and Mortar
    2453804Rolla Branch960 South Bishop, Rolla, MO 65402May 01, 2006Full Service Brick and Mortar

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