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

This bank is inactive as of October 29, 1993

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

  • General
  • FDIC Certificate #: 26685
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Mega Bank (#17311)
    Federal Reserve ID: 591058
    Date Established: May 22, 1986
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 35704
    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: May 22, 1986
    Last Structure Change Effective Date: October 29, 1993
    Last Structure Change Process Date: November 03, 1993
    Last Data Update: November 03, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 1416 Harvestowne Industrial Drive, St. Charles County, MO 63303
    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)
  • Financial Summary
  • Total assets: $20.6 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $18Total assets
  • $23,249Cash and due from depository institutions
  • $1,101Interest-bearing balances
  • $0Securities
  • $7,284Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $13,999Loan loss allowance
  • $228Trading account assets
  • $0Bank premises and fixed assets
  • $449Other real estate owned
  • $73Goodwill and other intangibles
  • $343Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $23,249Total liabilities
  • $21,157Total deposits
  • $20,408Interest-bearing deposits
  • $17,178Deposits held in domestic offices
  • 20408.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $525Trading liabilities
  • $0Other borrowed funds
  • $30Subordinated debt
  • $0All other liabilities
  • $194Total equity capital
  • $194Total bank equity capital
  • $2,092Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $1,350Undivided profits
  • Memoranda
  • $142Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $536Income earned, not collected on loans
  • $162Earning assets
  • $21,283Long-term assets (5+ years)
  • $1,039Average Assets, year-to-date
  • $25,306Average Assets, quarterly
  • $25,728Volatile liabilities
  • $2,436Insider loans
  • $420FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,981Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,092Total risk weighted assets
  • $14,278Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,819Total interest expense
  • $1,004Net interest income
  • $815Provision for loan and lease losses
  • $102Total noninterest income
  • $378Fiduciary activities
  • $0Service charges on deposit accounts
  • $181Trading account gains & fees
  • $0Additional noninterest income
  • $197Total noninterest expense
  • $1,051Salaries and employee benefits
  • $503Premises and equipment expense
  • $81Additional noninterest expense
  • $467Pre-tax net operating income
  • $40Securities gains (losses)
  • $63Applicable income taxes
  • $35Income before extraordinary items
  • $68Extraordinary gains - net
  • $0Net income attributable to bank
  • $68Net charge-offs
  • $75Cash 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
  • 8.01%Cost of funding earning assets
  • 4.42%Net interest margin
  • 3.59%Noninterest income to earning assets
  • 1.66%Noninterest expense to earning assets
  • 4.63%Net operating income to assets
  • 0.10%Return on assets (ROA)
  • 0.27%Pretax return on assets
  • 0.41%Return on equity (ROE)
  • 3.31%Retained earnings to average equity (YTD only)
  • 3.31%Net charge-offs to loans
  • 0.48%Credit loss provision to net charge-offs
  • 136.00%Efficiency ratio
  • 88,097Assets per employee
  • 1.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 42.54%Noncurrent assets plus other real estate owned to assets
  • 2.62%Noncurrent loans to loans
  • 3.77%Net loans and leases to deposits
  • 68.60%Net loans and leases to core deposits
  • 75.56%Equity capital to assets
  • 9.00%Core capital (leverage) ratio
  • 8.35%Tier 1 risk-based capital ratio
  • 14.65%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $25,306Average earning assets
  • $2,054Average equity
  • $22,708Average loans

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