The Bank of St. Joseph in St. Joseph, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 30, 1993

  • The Bank of St. Joseph in St. Joseph, Missouri (MO)
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The Bank of St. Joseph - Overview

  • General
  • FDIC Certificate #: 11011
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank of Missouri (#18815)
    Federal Reserve ID: 291451
    Date Established: July 26, 1904
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 7058
    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: November 30, 1993
    Last Structure Change Process Date: December 15, 1993
    Last Data Update: December 15, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: Sixth And Edmond Streets, St. Joseph, MO 64501
    County: Buchanan
    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): St. Joseph, MO (#7000)
    Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • Financial Summary
  • Total assets: $135.1 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $47Total assets
  • $157,184Cash and due from depository institutions
  • $3,641Interest-bearing balances
  • $0Securities
  • $5,482Federal funds sold & reverse repurchase agreements
  • $8,250Net loans & leases
  • $107,641Loan loss allowance
  • $4,887Trading account assets
  • $0Bank premises and fixed assets
  • $1,813Other real estate owned
  • $23,964Goodwill and other intangibles
  • $6,393Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $157,184Total liabilities
  • $150,208Total deposits
  • $149,470Interest-bearing deposits
  • $141,509Deposits held in domestic offices
  • 149470.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $738Total equity capital
  • $738Total bank equity capital
  • $6,976Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $7,676Undivided profits
  • Memoranda
  • $-1,000Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,637Income earned, not collected on loans
  • $697Earning assets
  • $121,373Long-term assets (5+ years)
  • $11,412Average Assets, year-to-date
  • $177,019Average Assets, quarterly
  • $160,426Volatile liabilities
  • $20,900Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,763Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,976Total risk weighted assets
  • $149,242Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,564Total interest expense
  • $9,542Net interest income
  • $2,022Provision for loan and lease losses
  • $2,632Total noninterest income
  • $896Fiduciary activities
  • $0Service charges on deposit accounts
  • $391Trading account gains & fees
  • $0Additional noninterest income
  • $505Total noninterest expense
  • $8,124Salaries and employee benefits
  • $992Premises and equipment expense
  • $285Additional noninterest expense
  • $6,847Pre-tax net operating income
  • -$7,838Securities gains (losses)
  • $554Applicable income taxes
  • -$2,847Income before extraordinary items
  • -$4,437Extraordinary gains - net
  • $0Net income attributable to bank
  • -$4,437Net charge-offs
  • $3,545Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.98%Cost of funding earning assets
  • 6.59%Net interest margin
  • 1.40%Noninterest income to earning assets
  • 0.62%Noninterest expense to earning assets
  • 5.61%Net operating income to assets
  • -2.71%Return on assets (ROA)
  • -2.51%Pretax return on assets
  • -4.11%Return on equity (ROE)
  • -49.50%Retained earnings to average equity (YTD only)
  • -49.50%Net charge-offs to loans
  • 2.83%Credit loss provision to net charge-offs
  • 74.25%Efficiency ratio
  • 278,410Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.34%Loss allowance to noncurrent loans
  • 38.67%Noncurrent assets plus other real estate owned to assets
  • 23.29%Noncurrent loans to loans
  • 11.23%Net loans and leases to deposits
  • 72.02%Net loans and leases to core deposits
  • 83.72%Equity capital to assets
  • 4.44%Core capital (leverage) ratio
  • 4.28%Tier 1 risk-based capital ratio
  • 4.67%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $177,019Average earning assets
  • $8,964Average equity
  • $144,871Average loans

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