Midwest Regional Bank in Festus, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Midwest Regional Bank - Overview

  • General
  • FDIC Certificate #: 8889
    Status: Active
    Federal Reserve ID: 691958
    Bank Holding Company (Regulatory Top Holder): Midwest Regional Bancorp, Inc. (RSSDID: 3595020, Location: Festus, MO)
    Date Established: June 13, 1894
    WWW: http://www.mwrbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 5680
    Numeric code: 21
    Regulator: FDIC
    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: August 17, 2009
    Last Structure Change Process Date: August 20, 2009
    Last Data Update: August 20, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 363 Festus Centre Drive, Festus, MO 63028
    County: Jefferson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Change in Location
    Name Change
    Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $126.5 mil
    Equity capital: $13.1 mil
    Deposits held in domestic offices: $105.5 mil
    Return on assets (ROA): 0.43% ($0.5 mil)
    Quarterly return on assets: 0.46% ($0.6 mil)
    Return on Equity (ROE): 3.86% ($0.5 mil)
    Quarterly return on equity: 4.35% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.59% ($746.2 mil)
    Quarterly Pretax return on assets: 0.67% ($847.4 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
  • 41Total employees (full-time equivalent)
  • $126,477Total assets
  • $14,436Cash and due from depository institutions
  • $8,479Interest-bearing balances
  • $3,003Securities
  • $100Federal funds sold & reverse repurchase agreements
  • $97,351Net loans & leases
  • $1,226Loan loss allowance
  • $0Trading account assets
  • $6,867Bank premises and fixed assets
  • $54Other real estate owned
  • $2,856Goodwill and other intangibles
  • $126,478Life insurance assets
  • $1,810All other assets
  • $113,336Total liabilities and capital
  • $105,454Total liabilities
  • $95,463Total deposits
  • $105,454Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $882Subordinated debt
  • $13,142All other liabilities
  • $13,142Total equity capital
  • $13,142Total bank equity capital
  • $0Perpetual preferred stock
  • $58Common stock
  • $15,644Surplus
  • $-2,560Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $843Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $280Income earned, not collected on loans
  • $0Earning assets
  • $403Long-term assets (5+ years)
  • $108,933Average Assets, year-to-date
  • $1,875Average Assets, quarterly
  • $110,668Volatile liabilities
  • $121,699Insider loans
  • $104,380FHLB advances
  • $123,454Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,286Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,780Restructured Loans and leases
  • $266Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,251Total interest income
  • $1,709Total interest expense
  • $3,542Net interest income
  • $358Provision for loan and lease losses
  • $1,616Total noninterest income
  • $0Fiduciary activities
  • $70Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,546Additional noninterest income
  • $4,142Total noninterest expense
  • $2,601Salaries and employee benefits
  • $480Premises and equipment expense
  • $1,061Additional noninterest expense
  • $658Pre-tax net operating income
  • $0Securities gains (losses)
  • $184Applicable income taxes
  • $474Income before extraordinary items
  • $0Extraordinary gains - net
  • $474Net income attributable to bank
  • $0Net charge-offs
  • $474Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.23%Yield on earning assets
  • 1.70%Cost of funding earning assets
  • 3.53%Net interest margin
  • 1.61%Noninterest income to earning assets
  • 4.12%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 3.86%Return on equity (ROE)
  • 3.86%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -35800.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,050Assets per employee
  • 3.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 437.86%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 92.32%Net loans and leases to core deposits
  • 99.90%Equity capital to assets
  • 10.39%Core capital (leverage) ratio
  • 8.33%Tier 1 risk-based capital ratio
  • 9.85%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $110,668Average earning assets
  • $12,294Average equity
  • $100,473Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05680Midwest Regional Bank363 Festus Centre Drive, Festus, MO 63028June 13, 1894Full Service Brick and Mortar
    1493989East Grover Street Branch211 East Grover Street, Otterville, MO 65348August 17, 2009Full Service Brick and Mortar
    2510020Midwest Regional Bank - Arnold Branc3488 Jeffco Boulevard, Suite 101, Arnold, MO 63010June 16, 2010
    3521598Arnold Branch3488 Jeffco Blvd., Suite 101, Arnold, MO 63010July 15, 2010Limited Service Administrative

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