The Moniteau National Bank of California in California, Missouri (MO)
Table of contents:
| The Moniteau National Bank of California | |
|---|---|
| General | FDIC Certificate #: 4528 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: Commerce Bank, National Association (#1631) Federal Reserve ID: 475149 Date Established: September 12, 1867 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 2994 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 01, 1994 Last Structure Change Process Date: October 19, 1994 Last Data Update: October 19, 1994 Data Source Date: April 05, 2012 |
| Location | Address: 209 East Main Street, California, MO 65018 County: Moniteau 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 Core Based Statistical Area (CBSA): Jefferson City, MO (#27620) CBSA Metro Statistical Area: Jefferson City, MO (#27620) |
| Financial Summary | Total assets: $32.4 mil |
| Assets and Liabilities (December 31, 1993) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 0 |
| Total assets | $14 |
| Cash and due from depository institutions | $33,836 |
| Interest-bearing balances | $2,142 |
| Securities | $65 |
| Federal funds sold & reverse repurchase agreements | $17,987 |
| Net loans & leases | $3,449 |
| Loan loss allowance | $9,626 |
| Trading account assets | $160 |
| Bank premises and fixed assets | $0 |
| Other real estate owned | $305 |
| Goodwill and other intangibles | $0 |
| All other assets | $0 |
| Life insurance assets | $327 |
| Total liabilities and capital | $0 |
| Total liabilities | $33,836 |
| Total deposits | $31,387 |
| Interest-bearing deposits | $31,302 |
| Deposits held in domestic offices | $27,489 |
| % insured (estimated) | 31302.00% |
| Federal funds purchased & repurchase agreements | $81 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $0 |
| Total equity capital | $85 |
| Total bank equity capital | $85 |
| Perpetual preferred stock | $2,449 |
| Common stock | $0 |
| Surplus | $75 |
| Undivided profits | $100 |
| Memoranda | |
| Noncurrent loans and leases | $2,274 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $22 |
| Earning assets | $71 |
| Long-term assets (5+ years) | $31,127 |
| Average Assets, year-to-date | $6,200 |
| Average Assets, quarterly | $34,625 |
| Volatile liabilities | $33,210 |
| Insider loans | $855 |
| FHLB advances | $81 |
| Loans and leases held for sale | $0 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $583 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $2,449 |
| Total unused commitments | $10,993 |
| Restructured Loans and leases | $0 |
| Derivatives | $0 |
| Income and Expense (December 31, 1993) (Dollar figures in thousands) | |
| Total interest income | $0 |
| Total interest expense | $2,201 |
| Net interest income | $1,001 |
| Provision for loan and lease losses | $1,200 |
| Total noninterest income | $107 |
| Fiduciary activities | $158 |
| Service charges on deposit accounts | $0 |
| Trading account gains & fees | $121 |
| Additional noninterest income | $0 |
| Total noninterest expense | $37 |
| Salaries and employee benefits | $889 |
| Premises and equipment expense | $517 |
| Additional noninterest expense | $98 |
| Pre-tax net operating income | $274 |
| Securities gains (losses) | $362 |
| Applicable income taxes | $2 |
| Income before extraordinary items | $66 |
| Extraordinary gains - net | $298 |
| Net income attributable to bank | $0 |
| Net charge-offs | $298 |
| Cash dividends | $132 |
| Sale, conversion, retirement of capital stock, net | $25 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 1993) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 0.00% |
| Cost of funding earning assets | 6.89% |
| Net interest margin | 3.13% |
| Noninterest income to earning assets | 3.75% |
| Noninterest expense to earning assets | 0.49% |
| Net operating income to assets | 2.78% |
| Return on assets (ROA) | 0.86% |
| Pretax return on assets | 0.86% |
| Return on equity (ROE) | 1.05% |
| Retained earnings to average equity (YTD only) | 12.89% |
| Net charge-offs to loans | 11.81% |
| Credit loss provision to net charge-offs | 1.25% |
| Efficiency ratio | 81.06% |
| Assets per employee | $65,464 |
| Cash dividends to net income (YTD only) | 2.42% |
| Condition Ratios (%) | |
| Loss allowance to loans | 8.39% |
| Loss allowance to noncurrent loans | 1.63% |
| Noncurrent assets plus other real estate owned to assets | 727.27% |
| Noncurrent loans to loans | 0.07% |
| Net loans and leases to deposits | 0.22% |
| Net loans and leases to core deposits | 30.75% |
| Equity capital to assets | 31.62% |
| Core capital (leverage) ratio | 7.24% |
| Tier 1 risk-based capital ratio | 7.46% |
| Total risk-based capital ratio | 22.28% |
| Memoranda | |
| Average assets | $24 |
| Average earning assets | $34,625 |
| Average equity | $2,311 |
| Average loans | $31,961 |
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