Regional Missouri Bank in Marceline, Missouri (MO)



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Regional Missouri Bank
GeneralFDIC 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
WWW: http://www.regionalmissouri.com
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
LocationAddress: 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 ChangesChange in Location
Office Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)32
Total assets$129,177
Cash and due from depository institutions$5,615
Interest-bearing balances$903
Securities$20,627
Federal funds sold & reverse repurchase agreements$29
Net loans & leases$98,604
Loan loss allowance $940
Trading account assets$0
Bank premises and fixed assets$906
Other real estate owned$263
Goodwill and other intangibles$964
All other assets$2,169
Life insurance assets$129,177
Total liabilities and capital$117,526
Total liabilities$115,110
Total deposits$96,624
Interest-bearing deposits$115,110
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $416
All other liabilities $11,651
Total equity capital$11,651
Total bank equity capital$11,651
Perpetual preferred stock$0
Common stock$1,660
Surplus$3,200
Undivided profits $6,791
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 $2,345
Earning assets $289
Long-term assets (5+ years) $1,038
Average Assets, year-to-date $120,163
Average Assets, quarterly $50,906
Volatile liabilities $126,820
Insider loans $128,414
FHLB advances $97,313
Loans and leases held for sale $126,522
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,258
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,868
Derivatives$8,295
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,080
Total interest expense $1,656
Net interest income $4,424
Provision for loan and lease losses $180
Total noninterest income $648
Fiduciary activities $0
Service charges on deposit accounts $248
Trading account gains & fees $0
Additional noninterest income $400
Total noninterest expense $2,870
Salaries and employee benefits $1,596
Premises and equipment expense $331
Additional noninterest expense $943
Pre-tax net operating income $2,022
Securities gains (losses) $66
Applicable income taxes $9
Income before extraordinary items $2,079
Extraordinary gains - net $0
Net income attributable to bank $2,079
Net charge-offs $0
Cash dividends $2,079
Sale, conversion, retirement of capital stock, net $83
Net operating income $930
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.10%
Cost of funding earning assets 1.39%
Net interest margin 3.71%
Noninterest income to earning assets 0.54%
Noninterest expense to earning assets 2.41%
Net operating income to assets 1.59%
Return on assets (ROA) 1.64%
Pretax return on assets 1.65%
Return on equity (ROE) 18.70%
Retained earnings to average equity (YTD only) 10.34%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 216.87%
Efficiency ratio26.53%
Assets per employee$54,614
Cash dividends to net income (YTD only)4.04%
Condition Ratios (%)
Loss allowance to loans 44.73%
Loss allowance to noncurrent loans 0.94%
Noncurrent assets plus other real estate owned to assets 40.09%
Noncurrent loans to loans 2.02%
Net loans and leases to deposits2.36%
Net loans and leases to core deposits 85.66%
Equity capital to assets 96.26%
Core capital (leverage) ratio 9.02%
Tier 1 risk-based capital ratio 8.11%
Total risk-based capital ratio 10.54%
Memoranda
Average assets$12
Average earning assets$126,820
Average equity $11,115
Average loans $119,125
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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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