The Mercantile Bank of Louisiana, Missouri in Louisiana, Missouri (MO)
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The Mercantile Bank of Louisiana, Missouri routing number info
Table of contents:
| The Mercantile Bank of Louisiana, Missouri | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 22 |
| Total assets | $94,448 |
| Cash and due from depository institutions | $5,649 |
| Interest-bearing balances | $4,852 |
| Securities | $13,943 |
| Federal funds sold & reverse repurchase agreements | $3,495 |
| Net loans & leases | $67,365 |
| Loan loss allowance | $1,942 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $510 |
| Other real estate owned | $163 |
| Goodwill and other intangibles | $0 |
| All other assets | $3,323 |
| Life insurance assets | $94,448 |
| Total liabilities and capital | $70,881 |
| Total liabilities | $64,724 |
| Total deposits | $53,655 |
| Interest-bearing deposits | $64,724 |
| Deposits held in domestic offices | $96 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $6,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $157 |
| All other liabilities | $23,567 |
| Total equity capital | $23,567 |
| Total bank equity capital | $23,567 |
| Perpetual preferred stock | $0 |
| Common stock | $200 |
| Surplus | $800 |
| Undivided profits | $22,567 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $389 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $462 |
| Average Assets, year-to-date | $89,655 |
| Average Assets, quarterly | $18,927 |
| Volatile liabilities | $98,561 |
| Insider loans | $95,057 |
| FHLB advances | $71,794 |
| Loans and leases held for sale | $97,732 |
| Unused loan commitments | $2,305 |
| Tier 1 (core) risk-based capital | $2,305 |
| Tier 2 risk-based capital | $21,885 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $6,823 |
| Derivatives | $1,992 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $4,548 |
| Total interest expense | $686 |
| Net interest income | $3,862 |
| Provision for loan and lease losses | $640 |
| Total noninterest income | $261 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $243 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $18 |
| Total noninterest expense | $2,186 |
| Salaries and employee benefits | $1,321 |
| Premises and equipment expense | $289 |
| Additional noninterest expense | $576 |
| Pre-tax net operating income | $1,297 |
| Securities gains (losses) | $14 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $1,311 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,311 |
| Net charge-offs | $0 |
| Cash dividends | $1,311 |
| Sale, conversion, retirement of capital stock, net | $445 |
| Net operating income | $1,100 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.82% |
| Cost of funding earning assets | 0.73% |
| Net interest margin | 4.10% |
| Noninterest income to earning assets | 0.28% |
| Noninterest expense to earning assets | 2.32% |
| Net operating income to assets | 1.32% |
| Return on assets (ROA) | 1.33% |
| Pretax return on assets | 1.33% |
| Return on equity (ROE) | 5.62% |
| Retained earnings to average equity (YTD only) | 0.90% |
| Net charge-offs to loans | 0.63% |
| Credit loss provision to net charge-offs | 143.82% |
| Efficiency ratio | 4.35% |
| Assets per employee | $53,020 |
| Cash dividends to net income (YTD only) | 4.29% |
| Condition Ratios (%) | |
| Loss allowance to loans | 83.91% |
| Loss allowance to noncurrent loans | 2.80% |
| Noncurrent assets plus other real estate owned to assets | 499.23% |
| Noncurrent loans to loans | 0.58% |
| Net loans and leases to deposits | 0.56% |
| Net loans and leases to core deposits | 104.08% |
| Equity capital to assets | 108.22% |
| Core capital (leverage) ratio | 24.95% |
| Tier 1 risk-based capital ratio | 22.39% |
| Total risk-based capital ratio | 30.48% |
| Memoranda | |
| Average assets | $32 |
| Average earning assets | $98,561 |
| Average equity | $23,338 |
| Average loans | $94,297 |
| 1 Missouri Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 7775 | The Mercantile Bank Of Louisiana, Missouri | Third And Georgia Streets, Louisiana, MO 63353 | January 29, 1880 | Full Service Brick and Mortar |  |
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