Montrose Savings Bank in Montrose, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Montrose Savings Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total 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
  • 10Total employees (full-time equivalent)
  • $38,880Total assets
  • $2,866Cash and due from depository institutions
  • $0Interest-bearing balances
  • $10,445Securities
  • $1,027Federal funds sold & reverse repurchase agreements
  • $23,568Net loans & leases
  • $227Loan loss allowance
  • $0Trading account assets
  • $179Bank premises and fixed assets
  • $298Other real estate owned
  • $0Goodwill and other intangibles
  • $38,880Life insurance assets
  • $497All other assets
  • $34,062Total liabilities and capital
  • $33,986Total liabilities
  • $28,657Total deposits
  • $33,986Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $76Subordinated debt
  • $4,818All other liabilities
  • $4,818Total equity capital
  • $4,818Total bank equity capital
  • $0Perpetual preferred stock
  • $275Common stock
  • $150Surplus
  • $4,393Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $165Income earned, not collected on loans
  • $0Earning assets
  • $420Long-term assets (5+ years)
  • $35,040Average Assets, year-to-date
  • $4,666Average Assets, quarterly
  • $38,205Volatile liabilities
  • $38,512Insider loans
  • $26,855FHLB advances
  • $39,371Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,760Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,896Restructured Loans and leases
  • $228Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,770Total interest income
  • $322Total interest expense
  • $1,448Net interest income
  • $39Provision for loan and lease losses
  • $131Total noninterest income
  • $0Fiduciary activities
  • $98Service charges on deposit accounts
  • $0Trading account gains & fees
  • $33Additional noninterest income
  • $935Total noninterest expense
  • $577Salaries and employee benefits
  • $49Premises and equipment expense
  • $309Additional noninterest expense
  • $605Pre-tax net operating income
  • $0Securities gains (losses)
  • -$24Applicable income taxes
  • $629Income before extraordinary items
  • $0Extraordinary gains - net
  • $629Net income attributable to bank
  • $0Net charge-offs
  • $629Cash dividends
  • $11Sale, conversion, retirement of capital stock, net
  • $687Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.66%Noninterest expense to earning assets
  • 1.65%Net operating income to assets
  • 1.65%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 12.91%Return on equity (ROE)
  • -1.19%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 354.55%Credit loss provision to net charge-offs
  • 58.55%Efficiency ratio
  • 59,215Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 109.22%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 137.58%Noncurrent assets plus other real estate owned to assets
  • 1.19%Noncurrent loans to loans
  • 0.69%Net loans and leases to deposits
  • 69.35%Net loans and leases to core deposits
  • 69.86%Equity capital to assets
  • 12.39%Core capital (leverage) ratio
  • 12.09%Tier 1 risk-based capital ratio
  • 17.72%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $38,205Average earning assets
  • $4,870Average equity
  • $35,212Average loans

List of branches

  • 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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