The Mercantile Bank of Louisiana, Missouri in Louisiana, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Mercantile Bank of Louisiana, Missouri in Louisiana, Missouri (MO)
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The Mercantile Bank of Louisiana, Missouri - Overview

  • General
  • FDIC Certificate #: 12231
    Status: Active
    Federal Reserve ID: 867258
    Date Established: January 29, 1880
    WWW: http://www.mercbk.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15976
    FDIC's unique #: 7775
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Third And Georgia Streets, Louisiana, MO 63353
    County: Pike
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $94.4 mil
    Equity capital: $23.6 mil
    Deposits held in domestic offices: $64.7 mil
    Return on assets (ROA): 1.33% ($1.3 mil)
    Quarterly return on assets: 1.28% ($1.2 mil)
    Return on Equity (ROE): 5.62% ($1.3 mil)
    Quarterly return on equity: 5.15% ($1.2 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.33% ($1,256.2 mil)
    Quarterly Pretax return on assets: 1.28% ($1,208.9 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
  • 22Total employees (full-time equivalent)
  • $94,448Total assets
  • $5,649Cash and due from depository institutions
  • $4,852Interest-bearing balances
  • $13,943Securities
  • $3,495Federal funds sold & reverse repurchase agreements
  • $67,365Net loans & leases
  • $1,942Loan loss allowance
  • $0Trading account assets
  • $510Bank premises and fixed assets
  • $163Other real estate owned
  • $0Goodwill and other intangibles
  • $94,448Life insurance assets
  • $3,323All other assets
  • $70,881Total liabilities and capital
  • $64,724Total liabilities
  • $53,655Total deposits
  • $64,724Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $157Subordinated debt
  • $23,567All other liabilities
  • $23,567Total equity capital
  • $23,567Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $800Surplus
  • $22,567Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $389Income earned, not collected on loans
  • $0Earning assets
  • $462Long-term assets (5+ years)
  • $89,655Average Assets, year-to-date
  • $18,927Average Assets, quarterly
  • $98,561Volatile liabilities
  • $95,057Insider loans
  • $71,794FHLB advances
  • $97,732Loans and leases held for sale
  • $2,305Unused loan commitments
  • $2,305Tier 1 (core) risk-based capital
  • $21,885Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,823Restructured Loans and leases
  • $1,992Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,548Total interest income
  • $686Total interest expense
  • $3,862Net interest income
  • $640Provision for loan and lease losses
  • $261Total noninterest income
  • $0Fiduciary activities
  • $243Service charges on deposit accounts
  • $0Trading account gains & fees
  • $18Additional noninterest income
  • $2,186Total noninterest expense
  • $1,321Salaries and employee benefits
  • $289Premises and equipment expense
  • $576Additional noninterest expense
  • $1,297Pre-tax net operating income
  • $14Securities gains (losses)
  • $0Applicable income taxes
  • $1,311Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,311Net income attributable to bank
  • $0Net charge-offs
  • $1,311Cash dividends
  • $445Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 4.10%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 2.32%Noninterest expense to earning assets
  • 1.32%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 5.62%Return on equity (ROE)
  • 0.90%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 143.82%Credit loss provision to net charge-offs
  • 4.35%Efficiency ratio
  • 53,020Assets per employee
  • 4.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.91%Loss allowance to loans
  • 2.80%Loss allowance to noncurrent loans
  • 499.23%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 104.08%Net loans and leases to core deposits
  • 108.22%Equity capital to assets
  • 24.95%Core capital (leverage) ratio
  • 22.39%Tier 1 risk-based capital ratio
  • 30.48%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $98,561Average earning assets
  • $23,338Average equity
  • $94,297Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07775The Mercantile Bank Of Louisiana, MissouriThird And Georgia Streets, Louisiana, MO 63353January 29, 1880Full Service Brick and Mortar

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