Metcalf Bank in Lees Summit, Missouri (MO), KS
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Metcalf Bank in Lees Summit, Missouri (MO), KS
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Metcalf Bank - Overview

  • General
  • FDIC Certificate #: 26247
    Status: Active
    Federal Reserve ID: 704559
    Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
    Date Established: May 20, 1985
    WWW: http://www.metcalfbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 26 (Domestic: 26, Interstate: Yes)
    FDIC's unique #: 32588
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 20, 1985
    Last Structure Change Effective Date: October 01, 2010
    Last Structure Change Process Date: October 05, 2010
    Last Data Update: October 05, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 609 North 291 Highway, Lees Summit, MO 64086
    County: Jackson
    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: West
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $1,124.6 mil
    Equity capital: $193.0 mil
    Deposits held in domestic offices: $891.8 mil
    Return on assets (ROA): 1.25% ($14.1 mil)
    Quarterly return on assets: 1.34% ($15.1 mil)
    Return on Equity (ROE): 7.56% ($14.6 mil)
    Quarterly return on equity: 8.04% ($15.5 mil)
    Net income: $14.6 mil
    Quarterly Net income: $3.9 mil
    Pretax return on assets: 1.95% ($21,929.7 mil)
    Quarterly Pretax return on assets: 2.11% ($23,729.1 mil)

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

2000 - 2011 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, 2011)

  • Dollar figures in thousands
  • 271Total employees (full-time equivalent)
  • $1,124,600Total assets
  • $39,764Cash and due from depository institutions
  • $20,703Interest-bearing balances
  • $122,707Securities
  • $687Federal funds sold & reverse repurchase agreements
  • $778,146Net loans & leases
  • $15,806Loan loss allowance
  • $0Trading account assets
  • $34,169Bank premises and fixed assets
  • $11,327Other real estate owned
  • $104,867Goodwill and other intangibles
  • $1,124,600Life insurance assets
  • $32,933All other assets
  • $931,639Total liabilities and capital
  • $891,790Total liabilities
  • $655,074Total deposits
  • $891,790Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 30259.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $200Trading liabilities
  • $0Other borrowed funds
  • $9,390Subordinated debt
  • $192,961All other liabilities
  • $192,961Total equity capital
  • $192,961Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $172,478Surplus
  • $19,733Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,654Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,719Income earned, not collected on loans
  • $45Earning assets
  • $2,892Long-term assets (5+ years)
  • $922,243Average Assets, year-to-date
  • $179,014Average Assets, quarterly
  • $1,165,499Volatile liabilities
  • $1,156,553Insider loans
  • $842,150FHLB advances
  • $1,088,535Loans and leases held for sale
  • $1,144Unused loan commitments
  • $1,144Tier 1 (core) risk-based capital
  • $95,891Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $169,324Restructured Loans and leases
  • $3,502Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $53,158Total interest income
  • $3,660Total interest expense
  • $49,498Net interest income
  • $5,818Provision for loan and lease losses
  • $14,319Total noninterest income
  • $0Fiduciary activities
  • $6,499Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7,820Additional noninterest income
  • $35,253Total noninterest expense
  • $15,711Salaries and employee benefits
  • $4,219Premises and equipment expense
  • $15,323Additional noninterest expense
  • $22,746Pre-tax net operating income
  • -$3Securities gains (losses)
  • $8,188Applicable income taxes
  • $14,555Income before extraordinary items
  • $0Extraordinary gains - net
  • $14,555Net income attributable to bank
  • $0Net charge-offs
  • $14,555Cash dividends
  • $5,034Sale, conversion, retirement of capital stock, net
  • $13,800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.52%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 5.14%Net interest margin
  • 1.49%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 7.56%Return on equity (ROE)
  • 0.39%Retained earnings to average equity (YTD only)
  • 0.64%Net charge-offs to loans
  • 115.57%Credit loss provision to net charge-offs
  • 5.67%Efficiency ratio
  • 52,777Assets per employee
  • 4.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.81%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 100.55%Noncurrent assets plus other real estate owned to assets
  • 2.40%Noncurrent loans to loans
  • 1.98%Net loans and leases to deposits
  • 87.26%Net loans and leases to core deposits
  • 90.50%Equity capital to assets
  • 17.16%Core capital (leverage) ratio
  • 8.81%Tier 1 risk-based capital ratio
  • 11.39%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,165,499Average earning assets
  • $192,647Average equity
  • $963,653Average loans

List of branches

  • 13 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1312423Metcalf Bank Branch79th And Metcalf Streets, Overland Park, KS 66204June 12, 1962Full Service Brick and Mortar
    14245582Metcalf 103 Branch10300 Metcalf, Overland Park, KS 66212November 28, 1975Full Service Brick and Mortar
    15245583College Boulevard Branch11900 College Boulevard, Overland Park, KS 66210August 25, 1986Full Service Brick and Mortar
    16245584West 151st Branch7201 West 151st, Overland Park, KS 66223January 17, 1996Limited Service Retail
    1724558515100 Metcalf Branch15100 Metcalf, Overland Park, KS 66223Febuary 19, 1996Full Service Brick and Mortar
    18424811Olathe Branch13446 Blackbob Road, Olathe, KS 66062January 20, 2004Full Service Brick and Mortar
    19893First Kansas Bank And Trust CompanyMain And Center Streets, Gardner, KS 66030March 01, 1894Full Service Brick and Mortar
    20189407Edgerton Branch405 East Nelson, Edgerton, KS 66021May 16, 1988Limited Service Facility
    22423180New Century Branch900 East Main Street, Gardner, KS 66030September 08, 2003Full Service Brick and Mortar
    30271476Overland Park Branch7800 College Boulevard, Overland Park, KS 66210June 30, 1986Full Service Brick and Mortar
    31361931Nieman Road Branch6114 Nieman Road, Shawnee Mission, KS 66203March 19, 2001Full Service Brick and Mortar
    32363645Lackman Road Branch15100 West 67th Street, Shawnee, KS 66216May 10, 2002Full Service Brick and Mortar
    3346640569 Highway Branch7960 W 135th Street, Overland Park, KS 66223September 01, 2006Full Service Brick and Mortar
  • 13 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032588Metcalf Bank609 North 291 Highway, Lees Summit, MO 64086May 20, 1985Full Service Brick and Mortar
    16804Buckner Branch100 South Hudson, Buckner, MO 64016Febuary 29, 1928Full Service Brick and Mortar
    2222788Kansas City Branch9740 Wornall Road, Kansas City, MO 64114June 01, 1987Full Service Brick and Mortar
    3258627Woods Chapel Road Branch639 Northeast Woods Chapel Road, Lees Summit, MO 64064April 01, 1996Full Service Brick and Mortar
    4361492Oldham Branch1201 Sw Oldham Parkway, Lees Summit, MO 64081March 19, 2001Full Service Brick and Mortar
    513873Bank Of Jacomo Branch909 South 7 Highway, Blue Springs, MO 64014May 26, 1970Full Service Brick and Mortar
    6250461Blue Springs North1505 N 7 Hwy, Blue Springs, MO 64014July 28, 1976Full Service Brick and Mortar
    7250462Fifth Avenue Branch500 S Broadway, Oak Grove, MO 64075March 04, 1985Full Service Brick and Mortar
    10189944Drive-In Branch10801 East 23rd Street, Independence, MO 64052March 16, 1973Full Service Brick and Mortar
    12466220Arborwalk Branch1305 Sw Arborwalk Blvd, Lees Summit, MO 64082March 16, 2007Full Service Brick and Mortar
    23527224 Highway Branch11206 East 24 Hwy, Sugar Creek, MO 64054January 01, 1934Full Service Brick and Mortar
    25264382Blue Ridge Boulevard Branch4668 Blue Ridge Boulevard, Kansas City, MO 64133January 01, 1918Full Service Brick and Mortar
    29510547Web Branch609 N. M 291 Hwy, Lees Summit, MO 64086September 01, 2009Full Service Cyber

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