The Bank of Old Monroe in Old Monroe, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Bank of Old Monroe in Old Monroe, Missouri (MO)
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The Bank of Old Monroe - Overview

  • General
  • FDIC Certificate #: 1655
    Status: Active
    Federal Reserve ID: 880855
    Bank Holding Company (Regulatory Top Holder): Cuivre River Bancshares, Inc. (RSSDID: 2315164, Location: Old Monroe, MO)
    Date Established: September 19, 1906
    WWW: http://www.bankofoldmonroe.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 1090
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 17, 2009
    Last Structure Change Process Date: March 18, 2009
    Last Data Update: March 18, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 2100 Highway C, Old Monroe, MO 63369
    County: Lincoln
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $262.6 mil
    Equity capital: $29.6 mil
    Deposits held in domestic offices: $224.7 mil
    Return on assets (ROA): 1.14% ($3.0 mil)
    Quarterly return on assets: 0.12% ($0.3 mil)
    Return on Equity (ROE): 10.95% ($3.3 mil)
    Quarterly return on equity: 1.12% ($0.3 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.34% ($3,519.2 mil)
    Quarterly Pretax return on assets: -0.33% (-$866.7 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
  • 52Total employees (full-time equivalent)
  • $262,626Total assets
  • $7,790Cash and due from depository institutions
  • $2,476Interest-bearing balances
  • $125,698Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $109,543Net loans & leases
  • $3,775Loan loss allowance
  • $0Trading account assets
  • $9,648Bank premises and fixed assets
  • $858Other real estate owned
  • $0Goodwill and other intangibles
  • $262,626Life insurance assets
  • $9,089All other assets
  • $233,032Total liabilities and capital
  • $224,650Total liabilities
  • $189,167Total deposits
  • $224,650Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 1346.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,377Trading liabilities
  • $0Other borrowed funds
  • $1,659Subordinated debt
  • $29,594All other liabilities
  • $29,594Total equity capital
  • $29,594Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $200Surplus
  • $29,094Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $293Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,290Income earned, not collected on loans
  • $0Earning assets
  • $1,418Long-term assets (5+ years)
  • $237,717Average Assets, year-to-date
  • $98,607Average Assets, quarterly
  • $262,164Volatile liabilities
  • $267,227Insider loans
  • $170,958FHLB advances
  • $277,779Loans and leases held for sale
  • $5,115Unused loan commitments
  • $1,150Tier 1 (core) risk-based capital
  • $29,224Tier 2 risk-based capital
  • $1,376Total risk weighted assets
  • $2,589Total unused commitments
  • $18,327Restructured Loans and leases
  • $647Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,687Total interest income
  • $3,263Total interest expense
  • $8,424Net interest income
  • $2,100Provision for loan and lease losses
  • $1,545Total noninterest income
  • $0Fiduciary activities
  • $862Service charges on deposit accounts
  • $0Trading account gains & fees
  • $683Additional noninterest income
  • $5,114Total noninterest expense
  • $3,002Salaries and employee benefits
  • $715Premises and equipment expense
  • $1,397Additional noninterest expense
  • $2,755Pre-tax net operating income
  • $760Securities gains (losses)
  • $514Applicable income taxes
  • $3,001Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,001Net income attributable to bank
  • $0Net charge-offs
  • $3,001Cash dividends
  • $1,100Sale, conversion, retirement of capital stock, net
  • $288Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.16%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 10.95%Return on equity (ROE)
  • 9.90%Retained earnings to average equity (YTD only)
  • 0.95%Net charge-offs to loans
  • 190.91%Credit loss provision to net charge-offs
  • 4.41%Efficiency ratio
  • 51,299Assets per employee
  • 5.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.60%Loss allowance to loans
  • 3.33%Loss allowance to noncurrent loans
  • 292.64%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 1.14%Net loans and leases to deposits
  • 48.76%Net loans and leases to core deposits
  • 58.01%Equity capital to assets
  • 11.27%Core capital (leverage) ratio
  • 10.52%Tier 1 risk-based capital ratio
  • 17.09%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $262,164Average earning assets
  • $27,404Average equity
  • $237,250Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01090The Bank Of Old Monroe2100 Highway C, Old Monroe, MO 63369September 19, 1906Full Service Brick and Mortar
    1189966Bank Of Old Monroe-Moscow Mills Bran#10 Freise Industrial Drive, Moscow Mills, MO 63362December 18, 1989Full Service Brick and Mortar
    2362301O'fallon Branch401 T.R. Hughes Boulevard, O Fallon, MO 63366September 17, 2001Full Service Brick and Mortar
    3442973Bank Of Old Monroe - Wentzville Faci1093 Wentzville Parkway, Wentzville, MO 63385August 09, 2005Full Service Brick and Mortar

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