Metropolitan National Bank in Springfield, Missouri (MO)

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Metropolitan National Bank
GeneralFDIC Certificate #: 24311
Status: Active
Federal Reserve ID: 294256
Bank Holding Company (Regulatory Top Holder): Marshfield Investment Company Employee Stock Ownership Plan And Trust (RSSDID: 3149339, Location: Springfield, MO)
Date Established: January 07, 1983
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 12 (Domestic: 12, Interstate: No)
OTS Docket #: 14731
FDIC's unique #: 16912
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 07, 1983
Last Structure Change Effective Date: April 30, 2009
Last Structure Change Process Date: June 09, 2009
Last Data Update: June 09, 2009
Data Source Date: April 05, 2012
LocationAddress: 600 South Glenstone Avenue, Springfield, MO 65802
County: Greene
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Springfield, MO (#7920)
Core Based Statistical Area (CBSA): Springfield, MO (#44180)
CBSA Metro Statistical Area: Springfield, MO (#44180)
History of ChangesChange in Location
Financial SummaryTotal assets: $472.7 mil
Equity capital: $57.5 mil
Deposits held in domestic offices: $388.8 mil
Return on assets (ROA): -1.42% (-$6.7 mil)
Quarterly return on assets: -2.02% (-$9.6 mil)
Return on Equity (ROE): -11.78% (-$6.8 mil)
Quarterly return on equity: -16.42% (-$9.5 mil)
Net income: -$7.2 mil
Quarterly Net income: -$2.4 mil
Pretax return on assets: -1.42% (-$6,712.4 mil)
Quarterly Pretax return on assets: -2.01% (-$9,501.3 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)
Total employees (full-time equivalent)155
Total assets$472,701
Cash and due from depository institutions$64,429
Interest-bearing balances$51,853
Federal funds sold & reverse repurchase agreements$9,147
Net loans & leases$304,159
Loan loss allowance $9,225
Trading account assets$0
Bank premises and fixed assets$9,367
Other real estate owned$2,333
Goodwill and other intangibles$6,331
All other assets$10,983
Life insurance assets$472,701
Total liabilities and capital$415,156
Total liabilities$388,818
Total deposits$340,709
Interest-bearing deposits$388,818
Deposits held in domestic offices$91
% insured (estimated)8554.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$15,490
Other borrowed funds $0
Subordinated debt $2,294
All other liabilities $57,545
Total equity capital$57,545
Total bank equity capital$57,545
Perpetual preferred stock$0
Common stock$2,456
Undivided profits $31,235
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,507
Income earned, not collected on loans $18,315
Earning assets $1,498
Long-term assets (5+ years) $1,587
Average Assets, year-to-date $431,111
Average Assets, quarterly $50,818
Volatile liabilities $502,942
Insider loans $477,743
FHLB advances $275,111
Loans and leases held for sale $470,845
Unused loan commitments $3,965
Tier 1 (core) risk-based capital $3,314
Tier 2 risk-based capital $49,958
Total risk weighted assets $0
Total unused commitments $651
Restructured Loans and leases $35,216
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $20,928
Total interest expense $4,052
Net interest income $16,876
Provision for loan and lease losses $10,217
Total noninterest income $2,309
Fiduciary activities $0
Service charges on deposit accounts $1,449
Trading account gains & fees $0
Additional noninterest income $860
Total noninterest expense $16,088
Salaries and employee benefits $8,160
Premises and equipment expense $2,287
Additional noninterest expense $5,641
Pre-tax net operating income -$7,120
Securities gains (losses) -$2
Applicable income taxes $36
Income before extraordinary items -$7,158
Extraordinary gains - net $0
Net income attributable to bank -$7,158
Net charge-offs $0
Cash dividends -$7,158
Sale, conversion, retirement of capital stock, net $10,424
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.56%
Cost of funding earning assets 0.88%
Net interest margin 3.68%
Noninterest income to earning assets 0.50%
Noninterest expense to earning assets 3.50%
Net operating income to assets -1.42%
Return on assets (ROA) -1.42%
Pretax return on assets -1.42%
Return on equity (ROE) -11.78%
Retained earnings to average equity (YTD only) -11.78%
Net charge-offs to loans 2.95%
Credit loss provision to net charge-offs 98.01%
Efficiency ratio0.30%
Assets per employee$83,857
Cash dividends to net income (YTD only)3.05%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.94%
Noncurrent assets plus other real estate owned to assets 50.37%
Noncurrent loans to loans 4.37%
Net loans and leases to deposits5.84%
Net loans and leases to core deposits 78.23%
Equity capital to assets 79.20%
Core capital (leverage) ratio 12.17%
Tier 1 risk-based capital ratio 10.61%
Total risk-based capital ratio 18.16%
Average assets$19
Average earning assets$502,942
Average equity $60,759
Average loans $459,177
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12 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
016912Metropolitan National Bank600 South Glenstone Avenue, Springfield, MO 65802January 07, 1983Full Service Brick and Mortar
1257140South National Branch3550 South National, Springfield, MO 65807December 12, 1988Full Service Brick and Mortar
2257141Nixa Branch716 West Mount Vernon, Nixa, MO 65714Febuary 23, 1995Full Service Brick and Mortar
48771Marshfield Square Branch101 West Jefferson Street, Marshfield, MO 65706January 01, 1934Full Service Brick and Mortar
5230852Marshfield Spur Branch1091 Spur Drive, Marshfield, MO 65706October 04, 1972Full Service Brick and Mortar
714599Kimberling City Branch12661 State Highway 13, Kimberling City, MO 65686June 18, 1973Full Service Brick and Mortar
8252264Blue Eye Branch1012 State Highway 13, Blue Eye, MO 65611October 10, 1985Limited Service Facility
9252265Branson West Branch9863 State Hwy 76, Branson West, MO 65737June 07, 1995Full Service Brick and Mortar
10252266Hollister Branch150 Southtown Boulevard, Hollister, MO 65672November 30, 1998Full Service Brick and Mortar
113034Lamar Branch1101 Gulf Street, Lamar, MO 64759June 12, 1905Full Service Brick and Mortar
12203889Golden City Branch523 Main Street, Golden City, MO 64748September 09, 1985Full Service Brick and Mortar
13468002East Battlefield2835 E. Battlefield, Springfield, MO 65804August 06, 2007Full Service Brick and Mortar
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