Montezuma State Bank in Montezuma, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Montezuma State Bank in Montezuma, Iowa (IA)
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Montezuma State Bank - Overview

  • General
  • FDIC Certificate #: 1860
    Status: Active
    Federal Reserve ID: 700140
    Date Established: January 10, 1891
    WWW: http://www.montestbk.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 1238
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 27, 2010
    Last Structure Change Process Date: May 27, 2010
    Last Data Update: May 27, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South 4th Street, Montezuma, IA 50171
    County: Poweshiek
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Des Moines
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $39.4 mil
    Equity capital: $7.6 mil
    Deposits held in domestic offices: $31.6 mil
    Return on assets (ROA): 0.57% ($0.2 mil)
    Quarterly return on assets: 0.86% ($0.3 mil)
    Return on Equity (ROE): 3.11% ($0.2 mil)
    Quarterly return on equity: 4.47% ($0.4 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.84% ($331.3 mil)
    Quarterly Pretax return on assets: 1.25% ($493.1 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
  • 11Total employees (full-time equivalent)
  • $39,446Total assets
  • $9,313Cash and due from depository institutions
  • $6,200Interest-bearing balances
  • $2,530Securities
  • $5,475Federal funds sold & reverse repurchase agreements
  • $20,541Net loans & leases
  • $662Loan loss allowance
  • $0Trading account assets
  • $67Bank premises and fixed assets
  • $571Other real estate owned
  • $0Goodwill and other intangibles
  • $39,446Life insurance assets
  • $949All other assets
  • $31,829Total liabilities and capital
  • $31,578Total liabilities
  • $25,970Total deposits
  • $31,578Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $251Subordinated debt
  • $7,617All other liabilities
  • $7,617Total equity capital
  • $7,617Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $1,180Surplus
  • $6,317Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,171Income earned, not collected on loans
  • $0Earning assets
  • $289Long-term assets (5+ years)
  • $34,746Average Assets, year-to-date
  • $3,971Average Assets, quarterly
  • $41,111Volatile liabilities
  • $39,445Insider loans
  • $24,279FHLB advances
  • $39,474Loans and leases held for sale
  • $457Unused loan commitments
  • $457Tier 1 (core) risk-based capital
  • $7,609Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $232Restructured Loans and leases
  • $244Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,537Total interest income
  • $208Total interest expense
  • $1,329Net interest income
  • $79Provision for loan and lease losses
  • $160Total noninterest income
  • $0Fiduciary activities
  • $132Service charges on deposit accounts
  • $0Trading account gains & fees
  • $28Additional noninterest income
  • $1,066Total noninterest expense
  • $628Salaries and employee benefits
  • $104Premises and equipment expense
  • $334Additional noninterest expense
  • $344Pre-tax net operating income
  • $0Securities gains (losses)
  • $109Applicable income taxes
  • $235Income before extraordinary items
  • $0Extraordinary gains - net
  • $235Net income attributable to bank
  • $0Net charge-offs
  • $235Cash dividends
  • $75Sale, conversion, retirement of capital stock, net
  • $102Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.21%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 3.11%Return on equity (ROE)
  • 1.76%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 105.33%Credit loss provision to net charge-offs
  • 5.64%Efficiency ratio
  • 71,592Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.40%Loss allowance to loans
  • 3.12%Loss allowance to noncurrent loans
  • 56.53%Noncurrent assets plus other real estate owned to assets
  • 4.42%Noncurrent loans to loans
  • 5.52%Net loans and leases to deposits
  • 65.05%Net loans and leases to core deposits
  • 65.57%Equity capital to assets
  • 19.31%Core capital (leverage) ratio
  • 19.28%Tier 1 risk-based capital ratio
  • 31.34%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $41,111Average earning assets
  • $7,566Average equity
  • $36,499Average loans

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01238Montezuma State Bank101 South 4th Street, Montezuma, IA 50171January 10, 1891Full Service Brick and Mortar

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