Farmers and Merchants Bank of St. Clair in Saint Clair, Missouri (MO)



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Farmers and Merchants Bank of St. Clair routing number info

Table of contents:
Farmers and Merchants Bank of St. Clair
GeneralFDIC Certificate #: 14056
Status: Active
Federal Reserve ID: 266851
Bank Holding Company (Regulatory Top Holder): Saint Clair Bancshares, Inc. (RSSDID: 2591539, Location: Saint Clair, MO)
Date Established: May 02, 1913
WWW: http://www.fmb4banking.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 #: 10095
FDIC's unique #: 8785
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: March 12, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 530 South Main Street, Saint Clair, MO 63077
County: Franklin
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $163.1 mil
Equity capital: $17.5 mil
Deposits held in domestic offices: $139.6 mil
Return on assets (ROA): 0.56% ($0.9 mil)
Quarterly return on assets: 0.52% ($0.8 mil)
Return on Equity (ROE): 5.46% ($1.0 mil)
Quarterly return on equity: 4.96% ($0.9 mil)
Net income: $0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.82% ($1,337.2 mil)
Quarterly Pretax return on assets: 0.79% ($1,288.3 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)62
Total assets$163,072
Cash and due from depository institutions$11,648
Interest-bearing balances$9,953
Securities$27,209
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$113,502
Loan loss allowance $1,919
Trading account assets$0
Bank premises and fixed assets$5,980
Other real estate owned$1,504
Goodwill and other intangibles$0
All other assets$3,229
Life insurance assets$163,072
Total liabilities and capital$145,572
Total liabilities$139,617
Total deposits$117,046
Interest-bearing deposits$139,617
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $955
All other liabilities $17,500
Total equity capital$17,500
Total bank equity capital$17,500
Perpetual preferred stock$0
Common stock$100
Surplus$1,718
Undivided profits $15,682
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $63
Income earned, not collected on loans $991
Earning assets $947
Long-term assets (5+ years) $558
Average Assets, year-to-date $150,664
Average Assets, quarterly $58,966
Volatile liabilities $167,499
Insider loans $165,563
FHLB advances $117,981
Loans and leases held for sale $163,893
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $16,871
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,867
Derivatives$673
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,121
Total interest expense $1,562
Net interest income $6,559
Provision for loan and lease losses $959
Total noninterest income $1,029
Fiduciary activities $0
Service charges on deposit accounts $693
Trading account gains & fees $0
Additional noninterest income $336
Total noninterest expense $5,418
Salaries and employee benefits $2,784
Premises and equipment expense $890
Additional noninterest expense $1,744
Pre-tax net operating income $1,211
Securities gains (losses) $168
Applicable income taxes $448
Income before extraordinary items $931
Extraordinary gains - net $0
Net income attributable to bank $931
Net charge-offs $0
Cash dividends $931
Sale, conversion, retirement of capital stock, net $762
Net operating income $88
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.24%
Cost of funding earning assets 1.01%
Net interest margin 4.23%
Noninterest income to earning assets 0.66%
Noninterest expense to earning assets 3.50%
Net operating income to assets 0.49%
Return on assets (ROA) 0.56%
Pretax return on assets 0.82%
Return on equity (ROE) 5.46%
Retained earnings to average equity (YTD only) 4.94%
Net charge-offs to loans 0.63%
Credit loss provision to net charge-offs 125.85%
Efficiency ratio2.85%
Assets per employee$71,402
Cash dividends to net income (YTD only)2.63%
Condition Ratios (%)
Loss allowance to loans 9.45%
Loss allowance to noncurrent loans 1.66%
Noncurrent assets plus other real estate owned to assets 193.64%
Noncurrent loans to loans 1.53%
Net loans and leases to deposits0.86%
Net loans and leases to core deposits 81.30%
Equity capital to assets 88.37%
Core capital (leverage) ratio 10.73%
Tier 1 risk-based capital ratio 10.29%
Total risk-based capital ratio 14.30%
Memoranda
Average assets$16
Average earning assets$167,499
Average equity $17,065
Average loans $154,927
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5 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08785Farmers And Merchants Bank Of St. Cl530 South Main Street, Saint Clair, MO 63077May 02, 1913Full Service Brick and Mortar
1230886Plaza Facility905 St. Clair Plaza Drive, St. Clair, MO 63077July 09, 1984Limited Service Facility
2230887High Ridge Branch1010 Crossroads Place, High Ridge, MO 63049November 30, 1998Full Service Brick and Mortar
3230888Lonedell Branch3732 Hwy 30, Suite B, Lonedell, MO 63060December 16, 1998Full Service Brick and Mortar
4454692Eureka Branch619 Stockell Drive, Eureka, MO 63025August 28, 2006Full Service Brick and Mortar
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