Farmers and Merchants Bank of St. Clair in Saint Clair, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 62Total employees (full-time equivalent)
  • $163,072Total assets
  • $11,648Cash and due from depository institutions
  • $9,953Interest-bearing balances
  • $27,209Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $113,502Net loans & leases
  • $1,919Loan loss allowance
  • $0Trading account assets
  • $5,980Bank premises and fixed assets
  • $1,504Other real estate owned
  • $0Goodwill and other intangibles
  • $163,072Life insurance assets
  • $3,229All other assets
  • $145,572Total liabilities and capital
  • $139,617Total liabilities
  • $117,046Total deposits
  • $139,617Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $955Subordinated debt
  • $17,500All other liabilities
  • $17,500Total equity capital
  • $17,500Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,718Surplus
  • $15,682Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $63Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $991Income earned, not collected on loans
  • $947Earning assets
  • $558Long-term assets (5+ years)
  • $150,664Average Assets, year-to-date
  • $58,966Average Assets, quarterly
  • $167,499Volatile liabilities
  • $165,563Insider loans
  • $117,981FHLB advances
  • $163,893Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,871Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,867Restructured Loans and leases
  • $673Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,121Total interest income
  • $1,562Total interest expense
  • $6,559Net interest income
  • $959Provision for loan and lease losses
  • $1,029Total noninterest income
  • $0Fiduciary activities
  • $693Service charges on deposit accounts
  • $0Trading account gains & fees
  • $336Additional noninterest income
  • $5,418Total noninterest expense
  • $2,784Salaries and employee benefits
  • $890Premises and equipment expense
  • $1,744Additional noninterest expense
  • $1,211Pre-tax net operating income
  • $168Securities gains (losses)
  • $448Applicable income taxes
  • $931Income before extraordinary items
  • $0Extraordinary gains - net
  • $931Net income attributable to bank
  • $0Net charge-offs
  • $931Cash dividends
  • $762Sale, conversion, retirement of capital stock, net
  • $88Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.23%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 5.46%Return on equity (ROE)
  • 4.94%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 125.85%Credit loss provision to net charge-offs
  • 2.85%Efficiency ratio
  • 71,402Assets per employee
  • 2.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.45%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 193.64%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 0.86%Net loans and leases to deposits
  • 81.30%Net loans and leases to core deposits
  • 88.37%Equity capital to assets
  • 10.73%Core capital (leverage) ratio
  • 10.29%Tier 1 risk-based capital ratio
  • 14.30%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $167,499Average earning assets
  • $17,065Average equity
  • $154,927Average loans

List of branches

  • 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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