Magna Bank of St. Charles County, St. Charles, MO. in St. Charles, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 30, 1993

  • Magna Bank of St. Charles County, St. Charles, MO. in St. Charles, Missouri (MO)
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Magna Bank of St. Charles County, St. Charles, MO. - Overview

  • General
  • FDIC Certificate #: 4561
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Magna Bank, National Association (#20606)
    Federal Reserve ID: 260550
    Date Established: December 16, 1863
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 3021
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 30, 1993
    Last Structure Change Process Date: July 23, 1993
    Last Data Update: August 11, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 North Main Street, St. Charles, MO 63301
    County: St. Charles
    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
  • Consolidated - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $214.5 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $91Total assets
  • $223,356Cash and due from depository institutions
  • $9,253Interest-bearing balances
  • $0Securities
  • $77,710Federal funds sold & reverse repurchase agreements
  • $3,700Net loans & leases
  • $120,097Loan loss allowance
  • $2,850Trading account assets
  • $0Bank premises and fixed assets
  • $2,866Other real estate owned
  • $3,748Goodwill and other intangibles
  • $3,919Life insurance assets
  • $2,063All other assets
  • $0Total liabilities and capital
  • $223,356Total liabilities
  • $201,900Total deposits
  • $199,515Interest-bearing deposits
  • $171,251Deposits held in domestic offices
  • 199515.00%% insured (estimated)
  • $94Federal funds purchased & repurchase agreements
  • $1,340Trading liabilities
  • $0Other borrowed funds
  • $1Subordinated debt
  • $0All other liabilities
  • $1,044Total equity capital
  • $1,044Total bank equity capital
  • $21,456Perpetual preferred stock
  • $1Common stock
  • $39Surplus
  • $19,134Undivided profits
  • Memoranda
  • $2,282Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,821Income earned, not collected on loans
  • $747Earning assets
  • $201,507Long-term assets (5+ years)
  • $60,124Average Assets, year-to-date
  • $224,418Average Assets, quarterly
  • $219,831Volatile liabilities
  • $8,060Insider loans
  • $1,443FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $16,390Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $19,393Total risk weighted assets
  • $142,781Total unused commitments
  • $0Restructured Loans and leases
  • $17,000Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $16,062Total interest expense
  • $6,984Net interest income
  • $9,078Provision for loan and lease losses
  • $510Total noninterest income
  • $1,979Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,273Trading account gains & fees
  • $0Additional noninterest income
  • $706Total noninterest expense
  • $7,314Salaries and employee benefits
  • $2,565Premises and equipment expense
  • $1,075Additional noninterest expense
  • $3,674Pre-tax net operating income
  • $3,233Securities gains (losses)
  • $6Applicable income taxes
  • $1,013Income before extraordinary items
  • $2,226Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,226Net charge-offs
  • $2,519Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.84%Cost of funding earning assets
  • 3.41%Net interest margin
  • 4.43%Noninterest income to earning assets
  • 0.97%Noninterest expense to earning assets
  • 3.57%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 1.44%Return on equity (ROE)
  • 10.81%Retained earnings to average equity (YTD only)
  • 10.81%Net charge-offs to loans
  • 1.87%Credit loss provision to net charge-offs
  • 20.25%Efficiency ratio
  • 64,755Assets per employee
  • 2.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.32%Loss allowance to noncurrent loans
  • 156.51%Noncurrent assets plus other real estate owned to assets
  • 2.49%Noncurrent loans to loans
  • 1.48%Net loans and leases to deposits
  • 60.19%Net loans and leases to core deposits
  • 62.29%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 8.83%Tier 1 risk-based capital ratio
  • 13.58%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $224,418Average earning assets
  • $20,599Average equity
  • $204,767Average loans

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