Montrose Savings Bank in Montrose, Missouri (MO)



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Montrose Savings Bank
GeneralFDIC Certificate #: 8594
Status: Active
Federal Reserve ID: 753052
Bank Holding Company (Regulatory Top Holder): Montrose Savings Bancshares, Inc. (RSSDID: 1062694, Location: Montrose, MO)
Date Established: January 01, 1895
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 5490
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 12, 2010
Last Structure Change Process Date: August 12, 2010
Last Data Update: August 12, 2010
Data Source Date: April 05, 2012
LocationAddress: 401 Missouri Avenue, Montrose, MO 64770
County: Henry
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $38.9 mil
Equity capital: $4.8 mil
Deposits held in domestic offices: $34.0 mil
Return on assets (ROA): 1.65% ($0.6 mil)
Quarterly return on assets: 1.24% ($0.5 mil)
Return on Equity (ROE): 12.91% ($0.6 mil)
Quarterly return on equity: 9.54% ($0.5 mil)
Net income: $0.6 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.58% ($614.3 mil)
Quarterly Pretax return on assets: 1.24% ($482.1 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)
Total employees (full-time equivalent)10
Total assets$38,880
Cash and due from depository institutions$2,866
Interest-bearing balances$0
Securities$10,445
Federal funds sold & reverse repurchase agreements$1,027
Net loans & leases$23,568
Loan loss allowance $227
Trading account assets$0
Bank premises and fixed assets$179
Other real estate owned$298
Goodwill and other intangibles$0
All other assets$497
Life insurance assets$38,880
Total liabilities and capital$34,062
Total liabilities$33,986
Total deposits$28,657
Interest-bearing deposits$33,986
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $76
All other liabilities $4,818
Total equity capital$4,818
Total bank equity capital$4,818
Perpetual preferred stock$0
Common stock$275
Surplus$150
Undivided profits $4,393
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $165
Earning assets $0
Long-term assets (5+ years) $420
Average Assets, year-to-date $35,040
Average Assets, quarterly $4,666
Volatile liabilities $38,205
Insider loans $38,512
FHLB advances $26,855
Loans and leases held for sale $39,371
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,760
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,896
Derivatives$228
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,770
Total interest expense $322
Net interest income $1,448
Provision for loan and lease losses $39
Total noninterest income $131
Fiduciary activities $0
Service charges on deposit accounts $98
Trading account gains & fees $0
Additional noninterest income $33
Total noninterest expense $935
Salaries and employee benefits $577
Premises and equipment expense $49
Additional noninterest expense $309
Pre-tax net operating income $605
Securities gains (losses) $0
Applicable income taxes -$24
Income before extraordinary items $629
Extraordinary gains - net $0
Net income attributable to bank $629
Net charge-offs $0
Cash dividends $629
Sale, conversion, retirement of capital stock, net $11
Net operating income $687
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.03%
Cost of funding earning assets 0.91%
Net interest margin 4.11%
Noninterest income to earning assets 0.37%
Noninterest expense to earning assets 2.66%
Net operating income to assets 1.65%
Return on assets (ROA) 1.65%
Pretax return on assets 1.58%
Return on equity (ROE) 12.91%
Retained earnings to average equity (YTD only) -1.19%
Net charge-offs to loans 0.05%
Credit loss provision to net charge-offs 354.55%
Efficiency ratio58.55%
Assets per employee$59,215
Cash dividends to net income (YTD only)3.89%
Condition Ratios (%)
Loss allowance to loans 109.22%
Loss allowance to noncurrent loans 0.95%
Noncurrent assets plus other real estate owned to assets 137.58%
Noncurrent loans to loans 1.19%
Net loans and leases to deposits0.69%
Net loans and leases to core deposits 69.35%
Equity capital to assets 69.86%
Core capital (leverage) ratio 12.39%
Tier 1 risk-based capital ratio 12.09%
Total risk-based capital ratio 17.72%
Memoranda
Average assets$19
Average earning assets$38,205
Average equity $4,870
Average loans $35,212
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1 Missouri Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05490Montrose Savings Bank401 Missouri Avenue, Montrose, MO 64770January 01, 1895Full Service Brick and Mortar
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