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

Regional Missouri Bank - Overview

  • General
  • FDIC Certificate #: 18385
    Status: Active
    Federal Reserve ID: 579140
    Bank Holding Company (Regulatory Top Holder): Rmb Bancshares, Inc. (RSSDID: 1904963, Location: Marceline, MO)
    Date Established: May 13, 1908
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 11008
    FDIC's unique #: 12293
    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: May 11, 1961
    Last Structure Change Effective Date: October 26, 2006
    Last Structure Change Process Date: August 29, 2007
    Last Data Update: August 29, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1201 South Missouri, Marceline, MO 64658
    County: Chariton
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
    Office Purchased
  • Financial Summary
  • Total assets: $129.2 mil
    Equity capital: $11.7 mil
    Deposits held in domestic offices: $115.1 mil
    Return on assets (ROA): 1.64% ($2.1 mil)
    Quarterly return on assets: 1.59% ($2.1 mil)
    Return on Equity (ROE): 18.70% ($2.2 mil)
    Quarterly return on equity: 17.40% ($2.1 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.65% ($2,131.4 mil)
    Quarterly Pretax return on assets: 1.59% ($2,053.9 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
  • 32Total employees (full-time equivalent)
  • $129,177Total assets
  • $5,615Cash and due from depository institutions
  • $903Interest-bearing balances
  • $20,627Securities
  • $29Federal funds sold & reverse repurchase agreements
  • $98,604Net loans & leases
  • $940Loan loss allowance
  • $0Trading account assets
  • $906Bank premises and fixed assets
  • $263Other real estate owned
  • $964Goodwill and other intangibles
  • $129,177Life insurance assets
  • $2,169All other assets
  • $117,526Total liabilities and capital
  • $115,110Total liabilities
  • $96,624Total deposits
  • $115,110Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $416Subordinated debt
  • $11,651All other liabilities
  • $11,651Total equity capital
  • $11,651Total bank equity capital
  • $0Perpetual preferred stock
  • $1,660Common stock
  • $3,200Surplus
  • $6,791Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,345Income earned, not collected on loans
  • $289Earning assets
  • $1,038Long-term assets (5+ years)
  • $120,163Average Assets, year-to-date
  • $50,906Average Assets, quarterly
  • $126,820Volatile liabilities
  • $128,414Insider loans
  • $97,313FHLB advances
  • $126,522Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,258Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,868Restructured Loans and leases
  • $8,295Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,080Total interest income
  • $1,656Total interest expense
  • $4,424Net interest income
  • $180Provision for loan and lease losses
  • $648Total noninterest income
  • $0Fiduciary activities
  • $248Service charges on deposit accounts
  • $0Trading account gains & fees
  • $400Additional noninterest income
  • $2,870Total noninterest expense
  • $1,596Salaries and employee benefits
  • $331Premises and equipment expense
  • $943Additional noninterest expense
  • $2,022Pre-tax net operating income
  • $66Securities gains (losses)
  • $9Applicable income taxes
  • $2,079Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,079Net income attributable to bank
  • $0Net charge-offs
  • $2,079Cash dividends
  • $83Sale, conversion, retirement of capital stock, net
  • $930Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 2.41%Noninterest expense to earning assets
  • 1.59%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 1.65%Pretax return on assets
  • 18.70%Return on equity (ROE)
  • 10.34%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 216.87%Credit loss provision to net charge-offs
  • 26.53%Efficiency ratio
  • 54,614Assets per employee
  • 4.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.73%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 40.09%Noncurrent assets plus other real estate owned to assets
  • 2.02%Noncurrent loans to loans
  • 2.36%Net loans and leases to deposits
  • 85.66%Net loans and leases to core deposits
  • 96.26%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 8.11%Tier 1 risk-based capital ratio
  • 10.54%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $126,820Average earning assets
  • $11,115Average equity
  • $119,125Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012293Regional Missouri Bank1201 South Missouri, Marceline, MO 64658May 13, 1908Full Service Brick and Mortar
    1245173Salisbury Branch301 East Highway 24, Salisbury, MO 65281September 07, 1982Full Service Brick and Mortar
    242823Marceline Home Savings & Loan Associ100 South Kansas Avenue, Marceline, MO 64658January 01, 1921Full Service Brick and Mortar
    36800Keytesville Branch400 West Bridge Street, Keytesville, MO 65261January 01, 1872Full Service Brick and Mortar
    4478913Bucklin Branch2 N. Livingston, Bucklin, MO 64631January 21, 2008Full Service Brick and Mortar

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