Mercantile Trust Company, National Association in St. Louis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 11, 2000

  • Mercantile Trust Company, National Association in St. Louis, Missouri (MO)
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Mercantile Trust Company, National Association - Overview

  • General
  • FDIC Certificate #: 33854
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: U.S. Bank National Association (#6548)
    Federal Reserve ID: 2119586
    Date Established: November 01, 1993
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 48162
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: July 01, 1998
    Last Structure Change Effective Date: August 11, 2000
    Last Structure Change Process Date: September 18, 2000
    Last Data Update: September 18, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 721 Locust Street, St. Louis, MO 63101
    County: Saint Louis (City)
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Chicago
    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: $83.8 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 579Total employees (full-time equivalent)
  • $311,025Total assets
  • $1Cash and due from depository institutions
  • $0Interest-bearing balances
  • $4,102Securities
  • $271,069Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $3,364Bank premises and fixed assets
  • $0Other real estate owned
  • $7,500Goodwill and other intangibles
  • $0Life insurance assets
  • $24,989All other assets
  • $311,025Total liabilities and capital
  • $275,766Total liabilities
  • $244,475Total deposits
  • $244,475Interest-bearing deposits
  • $244,475Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $31,291All other liabilities
  • $35,259Total equity capital
  • $35,259Total bank equity capital
  • $35,259Perpetual preferred stock
  • $0Common stock
  • $296Surplus
  • $20,265Undivided profits
  • Memoranda
  • $14,698Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $275,171Average Assets, quarterly
  • $0Volatile liabilities
  • $163,720Insider loans
  • $284,979FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $5,587Total interest income
  • $3,537Total interest expense
  • $2,050Net interest income
  • $14Provision for loan and lease losses
  • $95,387Total noninterest income
  • $94,989Fiduciary activities
  • $63Service charges on deposit accounts
  • $0Trading account gains & fees
  • $335Additional noninterest income
  • $54,421Total noninterest expense
  • $35,198Salaries and employee benefits
  • $3,306Premises and equipment expense
  • $15,917Additional noninterest expense
  • $43,002Pre-tax net operating income
  • -$64Securities gains (losses)
  • $17,280Applicable income taxes
  • $25,658Income before extraordinary items
  • $0Extraordinary gains - net
  • $25,658Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$36Sale, conversion, retirement of capital stock, net
  • $14,928Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.15%Yield on earning assets
  • 2.63%Cost of funding earning assets
  • 1.52%Net interest margin
  • 70.89%Noninterest income to earning assets
  • 40.45%Noninterest expense to earning assets
  • 15.70%Net operating income to assets
  • 15.67%Return on assets (ROA)
  • 26.23%Pretax return on assets
  • 58.34%Return on equity (ROE)
  • 24.40%Retained earnings to average equity (YTD only)
  • -0.35%Net charge-offs to loans
  • -38.89%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 53,800Assets per employee
  • 0.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.18%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 0.00%Net loans and leases to core deposits
  • 0.00%Equity capital to assets
  • 11.34%Core capital (leverage) ratio
  • 10.30%Tier 1 risk-based capital ratio
  • 33.38%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $163,720Average earning assets
  • $43,977Average equity
  • $134,555Average loans

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