Mid America Bank & Trust Company in Dixon, Missouri (MO)



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Mid America Bank & Trust Company routing number info

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Mid America Bank & Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)50
Total assets$128,512
Cash and due from depository institutions$3,844
Interest-bearing balances$1,213
Securities$19,124
Federal funds sold & reverse repurchase agreements$1,376
Net loans & leases$93,096
Loan loss allowance $972
Trading account assets$0
Bank premises and fixed assets$4,910
Other real estate owned$680
Goodwill and other intangibles$2,233
All other assets$3,249
Life insurance assets$128,512
Total liabilities and capital$114,388
Total liabilities$106,944
Total deposits$95,064
Interest-bearing deposits$106,944
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,500
Other borrowed funds $0
Subordinated debt $1,944
All other liabilities $14,124
Total equity capital$14,124
Total bank equity capital$14,124
Perpetual preferred stock$0
Common stock$120
Surplus$15,031
Undivided profits $-1,027
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $379
Income earned, not collected on loans $767
Earning assets $0
Long-term assets (5+ years) $730
Average Assets, year-to-date $114,809
Average Assets, quarterly $26,209
Volatile liabilities $123,296
Insider loans $127,240
FHLB advances $96,087
Loans and leases held for sale $123,438
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,321
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $22,044
Derivatives$312
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,579
Total interest expense $1,461
Net interest income $5,118
Provision for loan and lease losses $850
Total noninterest income $1,821
Fiduciary activities $0
Service charges on deposit accounts $220
Trading account gains & fees $0
Additional noninterest income $1,601
Total noninterest expense $4,467
Salaries and employee benefits $1,952
Premises and equipment expense $495
Additional noninterest expense $2,020
Pre-tax net operating income $1,622
Securities gains (losses) $102
Applicable income taxes $24
Income before extraordinary items $1,700
Extraordinary gains - net $0
Net income attributable to bank $1,700
Net charge-offs $0
Cash dividends $1,700
Sale, conversion, retirement of capital stock, net $1,106
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.02%
Cost of funding earning assets 1.34%
Net interest margin 4.68%
Noninterest income to earning assets 1.67%
Noninterest expense to earning assets 4.09%
Net operating income to assets 1.30%
Return on assets (ROA) 1.38%
Pretax return on assets 1.40%
Return on equity (ROE) 13.13%
Retained earnings to average equity (YTD only) 13.13%
Net charge-offs to loans 1.20%
Credit loss provision to net charge-offs 76.85%
Efficiency ratio2.24%
Assets per employee$64,375
Cash dividends to net income (YTD only)2.57%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.03%
Noncurrent assets plus other real estate owned to assets 126.73%
Noncurrent loans to loans 1.13%
Net loans and leases to deposits0.82%
Net loans and leases to core deposits 87.05%
Equity capital to assets 88.73%
Core capital (leverage) ratio 10.99%
Tier 1 risk-based capital ratio 9.17%
Total risk-based capital ratio 11.78%
Memoranda
Average assets$13
Average earning assets$123,296
Average equity $12,945
Average loans $109,324
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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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