Missouri State Bank and Trust Company in Clayton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 2006

  • Missouri State Bank and Trust Company in Clayton, Missouri (MO)
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Missouri State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 19671
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Southwest Bank, An M&I Bank (#1081)
    Federal Reserve ID: 602851
    Date Established: Febuary 01, 1967
    WWW: http://www.mostatebank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 12932
    FDIC's unique #: 13470
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 01, 1967
    Last Structure Change Effective Date: July 01, 2006
    Last Structure Change Process Date: September 19, 2006
    Last Data Update: September 19, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 S. Hanley Road, Suite 100, Clayton, MO 63105
    County: St. Louis
    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: $866.1 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, 2005)

  • Dollar figures in thousands
  • 105Total employees (full-time equivalent)
  • $747,865Total assets
  • $22,510Cash and due from depository institutions
  • $0Interest-bearing balances
  • $49,706Securities
  • $28,724Federal funds sold & reverse repurchase agreements
  • $621,388Net loans & leases
  • $8,672Loan loss allowance
  • $0Trading account assets
  • $8,887Bank premises and fixed assets
  • $0Other real estate owned
  • $4,846Goodwill and other intangibles
  • $0Life insurance assets
  • $11,804All other assets
  • $747,865Total liabilities and capital
  • $677,171Total liabilities
  • $641,834Total deposits
  • $478,368Interest-bearing deposits
  • $641,834Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $9,176Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $18,800Other borrowed funds
  • $0Subordinated debt
  • $7,361All other liabilities
  • $70,694Total equity capital
  • $70,694Total bank equity capital
  • $70,694Perpetual preferred stock
  • $0Common stock
  • $1,350Surplus
  • $42,971Undivided profits
  • Memoranda
  • $26,373Noncurrent loans and leases
  • $215,057Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,376Earning assets
  • $0Long-term assets (5+ years)
  • $2,683Average Assets, year-to-date
  • $699,818Average Assets, quarterly
  • $22,594Volatile liabilities
  • $701,545Insider loans
  • $729,488FHLB advances
  • $133,055Loans and leases held for sale
  • $52,100Unused loan commitments
  • $18,800Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $215,057Total unused commitments
  • $0Restructured Loans and leases
  • $8,555Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $44,380Total interest income
  • $14,324Total interest expense
  • $30,056Net interest income
  • $698Provision for loan and lease losses
  • $2,844Total noninterest income
  • $0Fiduciary activities
  • $1,067Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,777Additional noninterest income
  • $15,138Total noninterest expense
  • $9,436Salaries and employee benefits
  • $2,248Premises and equipment expense
  • $3,454Additional noninterest expense
  • $17,064Pre-tax net operating income
  • $0Securities gains (losses)
  • $6,347Applicable income taxes
  • $10,717Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,717Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $107Sale, conversion, retirement of capital stock, net
  • $2,970Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.75%Yield on earning assets
  • 2.18%Cost of funding earning assets
  • 4.57%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.30%Noninterest expense to earning assets
  • 1.53%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 2.43%Pretax return on assets
  • 16.39%Return on equity (ROE)
  • 11.85%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 652.34%Credit loss provision to net charge-offs
  • 166.00%Efficiency ratio
  • 46,012Assets per employee
  • 7.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.71%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 630.23%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 96.81%Net loans and leases to core deposits
  • 118.82%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 9.04%Tier 1 risk-based capital ratio
  • 9.67%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $701,545Average earning assets
  • $65,369Average equity
  • $657,574Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,393Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,393Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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