Mercantile Bank of Topeka in Topeka, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 22, 1996

  • Mercantile Bank of Topeka in Topeka, Kansas (KS)
  • Show street view No street view available for this location

Mercantile Bank of Topeka - Overview

  • General
  • FDIC Certificate #: 4783
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Firstar Bank, National Association (#10927)
    Federal Reserve ID: 547653
    Date Established: July 12, 1888
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 3195
    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: August 22, 1996
    Last Structure Change Process Date: September 20, 1996
    Last Data Update: September 20, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: Eighth And Jackson Streets, Topeka, KS 66601
    County: Shawnee
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Topeka, KS (#8440)
    Core Based Statistical Area (CBSA): Topeka, KS (#45820)
    CBSA Metro Statistical Area: Topeka, KS (#45820)
  • Financial Summary
  • Total assets: $229.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $86Total assets
  • $230,459Cash and due from depository institutions
  • $16,688Interest-bearing balances
  • $0Securities
  • $48,444Federal funds sold & reverse repurchase agreements
  • $2,450Net loans & leases
  • $159,274Loan loss allowance
  • $2,787Trading account assets
  • $0Bank premises and fixed assets
  • $823Other real estate owned
  • $167Goodwill and other intangibles
  • $2,613Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $230,459Total liabilities
  • $212,830Total deposits
  • $191,826Interest-bearing deposits
  • $156,258Deposits held in domestic offices
  • 191826.00%% insured (estimated)
  • $65Federal funds purchased & repurchase agreements
  • $18,739Trading liabilities
  • $0Other borrowed funds
  • $5Subordinated debt
  • $0All other liabilities
  • $2,260Total equity capital
  • $2,260Total bank equity capital
  • $17,629Perpetual preferred stock
  • $0Common stock
  • $5,250Surplus
  • $10,458Undivided profits
  • Memoranda
  • $1,921Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $46Income earned, not collected on loans
  • $1,586Earning assets
  • $210,168Long-term assets (5+ years)
  • $12,485Average Assets, year-to-date
  • $210,401Average Assets, quarterly
  • $221,013Volatile liabilities
  • $48,830Insider loans
  • $5,669FHLB advances
  • $0Loans and leases held for sale
  • $798Unused loan commitments
  • $32,534Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,049Total risk weighted assets
  • $161,235Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $16,381Total interest expense
  • $6,770Net interest income
  • $9,611Provision for loan and lease losses
  • $187Total noninterest income
  • $3,862Fiduciary activities
  • $1,532Service charges on deposit accounts
  • $1,283Trading account gains & fees
  • $0Additional noninterest income
  • $1,047Total noninterest expense
  • $8,150Salaries and employee benefits
  • $3,126Premises and equipment expense
  • $1,457Additional noninterest expense
  • $3,567Pre-tax net operating income
  • $5,136Securities gains (losses)
  • $0Applicable income taxes
  • $1,832Income before extraordinary items
  • $3,304Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,304Net charge-offs
  • $131Cash dividends
  • $3,500Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.21%Cost of funding earning assets
  • 3.39%Net interest margin
  • 4.82%Noninterest income to earning assets
  • 1.94%Noninterest expense to earning assets
  • 4.09%Net operating income to assets
  • 1.57%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 2.44%Return on equity (ROE)
  • 19.20%Retained earnings to average equity (YTD only)
  • -1.14%Net charge-offs to loans
  • 0.09%Credit loss provision to net charge-offs
  • 142.75%Efficiency ratio
  • 60,491Assets per employee
  • 2.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 105.93%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 6058.70%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 83.03%Net loans and leases to core deposits
  • 98.48%Equity capital to assets
  • 7.65%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 10.57%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $210,401Average earning assets
  • $17,206Average equity
  • $199,492Average loans

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