Montgomery Bank, National Association in Sikeston, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Montgomery Bank, National Association - Overview

  • General
  • FDIC Certificate #: 8255
    Status: Active
    Federal Reserve ID: 613558
    Bank Holding Company (Regulatory Top Holder): Montgomery Bancorporation, Inc. (RSSDID: 1119495, Location: Sikeston, MO)
    Date Established: January 01, 1934
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 9737
    FDIC's unique #: 5265
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 03, 2010
    Last Structure Change Process Date: June 03, 2010
    Last Data Update: June 03, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: One Montgomery Bank Plaza, Sikeston, MO 63801
    County: Scott
    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
    Combined Statistical Area (CSA): Cape Girardeau-Sikeston-Jackson, MO-IL (#164)
    Core Based Statistical Area (CBSA): Sikeston, MO (#43460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $881.2 mil
    Equity capital: $74.3 mil
    Deposits held in domestic offices: $723.4 mil
    Return on assets (ROA): 0.47% ($4.1 mil)
    Quarterly return on assets: 0.45% ($4.0 mil)
    Return on Equity (ROE): 5.67% ($4.2 mil)
    Quarterly return on equity: 5.37% ($4.0 mil)
    Net income: $4.2 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 0.47% ($4,141.9 mil)
    Quarterly Pretax return on assets: 0.46% ($4,053.7 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
  • 218Total employees (full-time equivalent)
  • $881,247Total assets
  • $37,135Cash and due from depository institutions
  • $33,030Interest-bearing balances
  • $68,233Securities
  • $7Federal funds sold & reverse repurchase agreements
  • $699,197Net loans & leases
  • $8,668Loan loss allowance
  • $0Trading account assets
  • $34,762Bank premises and fixed assets
  • $10,067Other real estate owned
  • $0Goodwill and other intangibles
  • $881,247Life insurance assets
  • $31,846All other assets
  • $806,955Total liabilities and capital
  • $723,403Total liabilities
  • $616,076Total deposits
  • $723,403Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 19499.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $60,548Trading liabilities
  • $0Other borrowed funds
  • $3,505Subordinated debt
  • $74,292All other liabilities
  • $74,292Total equity capital
  • $74,292Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $44,773Surplus
  • $28,719Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,640Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,716Income earned, not collected on loans
  • $0Earning assets
  • $4,376Long-term assets (5+ years)
  • $800,467Average Assets, year-to-date
  • $46,242Average Assets, quarterly
  • $895,383Volatile liabilities
  • $882,136Insider loans
  • $725,833FHLB advances
  • $883,966Loans and leases held for sale
  • $16,523Unused loan commitments
  • $7,352Tier 1 (core) risk-based capital
  • $74,041Tier 2 risk-based capital
  • $926Total risk weighted assets
  • $8,245Total unused commitments
  • $115,783Restructured Loans and leases
  • $19,407Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $39,805Total interest income
  • $7,775Total interest expense
  • $32,030Net interest income
  • $5,535Provision for loan and lease losses
  • $2,589Total noninterest income
  • $0Fiduciary activities
  • $1,680Service charges on deposit accounts
  • $0Trading account gains & fees
  • $909Additional noninterest income
  • $26,140Total noninterest expense
  • $13,065Salaries and employee benefits
  • $4,584Premises and equipment expense
  • $8,491Additional noninterest expense
  • $2,944Pre-tax net operating income
  • $1,261Securities gains (losses)
  • $24Applicable income taxes
  • $4,181Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,181Net income attributable to bank
  • $0Net charge-offs
  • $4,181Cash dividends
  • $5,221Sale, conversion, retirement of capital stock, net
  • $2,802Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 5.67%Return on equity (ROE)
  • 1.87%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 106.01%Credit loss provision to net charge-offs
  • 1.62%Efficiency ratio
  • 75,508Assets per employee
  • 4.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.02%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 63.20%Noncurrent assets plus other real estate owned to assets
  • 2.70%Noncurrent loans to loans
  • 1.94%Net loans and leases to deposits
  • 96.65%Net loans and leases to core deposits
  • 98.80%Equity capital to assets
  • 8.43%Core capital (leverage) ratio
  • 8.38%Tier 1 risk-based capital ratio
  • 10.20%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $895,383Average earning assets
  • $73,677Average equity
  • $810,372Average loans

List of branches

  • 12 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05265Montgomery Bank, National AssociationOne Montgomery Bank Plaza, Sikeston, MO 63801January 01, 1934Full Service Brick and Mortar
    4279896Chaffee Branch102 East Yoakum, Chaffee, MO 63740January 01, 1907Full Service Brick and Mortar
    5218201Cape Girardeau - Broadway Branch2027 Broadway Street, Cape Girardeau, MO 63701August 26, 1991Full Service Brick and Mortar
    7218203Miner Branch2201 East Malone, Sikeston, MO 63801October 03, 1994Full Service Brick and Mortar
    8218204Jackson Branch2125 East Jackson Blvd, Jackson, MO 63755December 02, 1996Full Service Brick and Mortar
    10218206Chesterfield Branch13483 Olive Boulevard, Chesterfield, MO 63017August 17, 1998Full Service Brick and Mortar
    13357550Union Branch3803 Union Road, Saint Louis, MO 63109May 15, 2000Full Service Brick and Mortar
    14360811Bridgeton Branch11998 St. Charles Rock Road, Bridgeton, MO 63044Febuary 02, 2001Full Service Brick and Mortar
    16461628Cape Girardeau - Mount Auburn Branch200 S Mt. Auburn Road, Cape Girardeau, MO 63701January 04, 2007Full Service Brick and Mortar
    17464097Dexter Branch140 South Walnut, Dexter, MO 63841May 21, 2007Full Service Brick and Mortar
    18468032Des Peres Branch13303 Manchester Road, Des Peres, MO 63131August 06, 2007Full Service Brick and Mortar
    20497277Mid-South Branch1229 South Laclede Station Rd, Webster Groves, MO 63119November 16, 2009Full Service Brick and Mortar

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