Mark Twain Bank in Saint Louis, Missouri (MO)



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Mark Twain Bank
GeneralFDIC Certificate #: 22251
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Mercantile Bank National Association (#18159)
Federal Reserve ID: 860455
Date Established: April 02, 1976
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 20 (Interstate: No)
OTS Docket #: 9948
FDIC's unique #: 15465
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: April 02, 1976
Last Structure Change Effective Date: June 20, 1997
Last Structure Change Process Date: July 09, 1997
Last Data Update: July 09, 1997
Data Source Date: April 05, 2012
LocationAddress: 8822 Ladue Road, Saint Louis, MO 63124
County: St. Louis
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)
Financial SummaryTotal assets: $2,182.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)
(Dollar figures in thousands)
Total employees (full-time equivalent)0
Total assets$692
Cash and due from depository institutions$2,025,319
Interest-bearing balances$97,272
Securities$4,387
Federal funds sold & reverse repurchase agreements$438,470
Net loans & leases$18,650
Loan loss allowance $1,374,410
Trading account assets$21,042
Bank premises and fixed assets$27,564
Other real estate owned$15,784
Goodwill and other intangibles$871
All other assets$135
Life insurance assets$52,163
Total liabilities and capital$0
Total liabilities$2,025,319
Total deposits$1,844,252
Interest-bearing deposits$1,636,664
Deposits held in domestic offices$1,306,854
% insured (estimated)1636664.00%
Federal funds purchased & repurchase agreements $78
Trading liabilities$172,194
Other borrowed funds $7,744
Subordinated debt $6,612
All other liabilities $0
Total equity capital$21,038
Total bank equity capital$21,038
Perpetual preferred stock$181,067
Common stock$0
Surplus$689
Undivided profits $37,141
Memoranda
Noncurrent loans and leases $143,237
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,078
Earning assets $7,548
Long-term assets (5+ years) $1,863,481
Average Assets, year-to-date $379,380
Average Assets, quarterly $2,060,248
Volatile liabilities $2,079,568
Insider loans $290,858
FHLB advances $86,715
Loans and leases held for sale $0
Unused loan commitments $0
Tier 1 (core) risk-based capital $393,078
Tier 2 risk-based capital $0
Total risk weighted assets $182,202
Total unused commitments $1,683,326
Restructured Loans and leases $0
Derivatives$589,427
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Income and Expense (December 31, 1996)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $152,332
Net interest income $67,854
Provision for loan and lease losses $84,478
Total noninterest income $1,241
Fiduciary activities $37,767
Service charges on deposit accounts $5,835
Trading account gains & fees $5,559
Additional noninterest income $12,994
Total noninterest expense $13,379
Salaries and employee benefits $61,662
Premises and equipment expense $32,378
Additional noninterest expense $8,349
Pre-tax net operating income $20,935
Securities gains (losses) $59,342
Applicable income taxes $264
Income before extraordinary items $20,745
Extraordinary gains - net $38,861
Net income attributable to bank $0
Net charge-offs $38,861
Cash dividends $1,053
Sale, conversion, retirement of capital stock, net $34,600
Net operating income $0
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Performance and Condition Ratios (December 31, 1996)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 8.24%
Net interest margin 3.67%
Noninterest income to earning assets 4.57%
Noninterest expense to earning assets 2.04%
Net operating income to assets 3.34%
Return on assets (ROA) 1.88%
Pretax return on assets 1.89%
Return on equity (ROE) 2.89%
Retained earnings to average equity (YTD only) 22.31%
Net charge-offs to loans 2.45%
Credit loss provision to net charge-offs 0.08%
Efficiency ratio117.85%
Assets per employee$50,432
Cash dividends to net income (YTD only)2.93%
Condition Ratios (%)
Loss allowance to loans 89.04%
Loss allowance to noncurrent loans 1.51%
Noncurrent assets plus other real estate owned to assets 515.99%
Noncurrent loans to loans 0.24%
Net loans and leases to deposits0.29%
Net loans and leases to core deposits 83.98%
Equity capital to assets 89.69%
Core capital (leverage) ratio 8.94%
Tier 1 risk-based capital ratio 8.97%
Total risk-based capital ratio 10.82%
Memoranda
Average assets$12
Average earning assets$2,060,248
Average equity $174,202
Average loans $1,848,054
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