The Missouri Bank in Warrenton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Missouri Bank in Warrenton, Missouri (MO)
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The Missouri Bank - Overview

  • General
  • FDIC Certificate #: 14036
    Status: Active
    Federal Reserve ID: 309150
    Bank Holding Company (Regulatory Top Holder): Warren County Bancshares, Inc. (RSSDID: 1138393, Location: Warrenton, MO)
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 8775
    Numeric code: 13
    Regulator: FED
    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: March 10, 1934
    Last Structure Change Effective Date: Febuary 19, 2011
    Last Structure Change Process Date: Febuary 23, 2011
    Last Data Update: Febuary 23, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 104 North Highway 47, Warrenton, MO 63383
    County: Warren
    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)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $213.2 mil
    Equity capital: $21.2 mil
    Deposits held in domestic offices: $185.1 mil
    Return on assets (ROA): 1.36% ($2.9 mil)
    Quarterly return on assets: 1.05% ($2.2 mil)
    Return on Equity (ROE): 14.17% ($3.0 mil)
    Quarterly return on equity: 10.42% ($2.2 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.40% ($2,985.1 mil)
    Quarterly Pretax return on assets: 1.07% ($2,281.5 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
  • 59Total employees (full-time equivalent)
  • $213,222Total assets
  • $35,502Cash and due from depository institutions
  • $24,218Interest-bearing balances
  • $43,885Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $122,862Net loans & leases
  • $2,084Loan loss allowance
  • $0Trading account assets
  • $4,739Bank premises and fixed assets
  • $3,199Other real estate owned
  • $0Goodwill and other intangibles
  • $213,222Life insurance assets
  • $3,035All other assets
  • $192,006Total liabilities and capital
  • $185,103Total liabilities
  • $151,857Total deposits
  • $185,103Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 1689.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $214Subordinated debt
  • $21,216All other liabilities
  • $21,216Total equity capital
  • $21,216Total bank equity capital
  • $0Perpetual preferred stock
  • $390Common stock
  • $6,386Surplus
  • $14,440Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $617Income earned, not collected on loans
  • $0Earning assets
  • $1,132Long-term assets (5+ years)
  • $190,965Average Assets, year-to-date
  • $40,643Average Assets, quarterly
  • $207,277Volatile liabilities
  • $208,750Insider loans
  • $144,931FHLB advances
  • $201,856Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,908Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,065Restructured Loans and leases
  • $13,038Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,100Total interest income
  • $1,515Total interest expense
  • $7,585Net interest income
  • $525Provision for loan and lease losses
  • $530Total noninterest income
  • $0Fiduciary activities
  • $547Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$17Additional noninterest income
  • $4,679Total noninterest expense
  • $2,678Salaries and employee benefits
  • $748Premises and equipment expense
  • $1,253Additional noninterest expense
  • $2,911Pre-tax net operating income
  • $0Securities gains (losses)
  • $84Applicable income taxes
  • $2,827Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,827Net income attributable to bank
  • $0Net charge-offs
  • $2,827Cash dividends
  • $788Sale, conversion, retirement of capital stock, net
  • $2,004Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 2.47%Noninterest expense to earning assets
  • 1.36%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 14.17%Return on equity (ROE)
  • 4.12%Retained earnings to average equity (YTD only)
  • 0.61%Net charge-offs to loans
  • 66.62%Credit loss provision to net charge-offs
  • 4.36%Efficiency ratio
  • 57,659Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.89%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 337.76%Noncurrent assets plus other real estate owned to assets
  • 1.79%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 66.37%Net loans and leases to core deposits
  • 68.74%Equity capital to assets
  • 9.95%Core capital (leverage) ratio
  • 9.86%Tier 1 risk-based capital ratio
  • 13.74%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $207,277Average earning assets
  • $19,952Average equity
  • $189,093Average loans

List of branches

  • 6 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08775The Missouri Bank104 North Highway 47, Warrenton, MO 63383January 01, 1934Full Service Brick and Mortar
    2230858Wentzville Branch1145 West Pearce Boulevard, Wentzville, MO 63385June 30, 1999Full Service Brick and Mortar
    3478955Foristell Branch3214 South Service Road, Foristell, MO 63348May 22, 2008Full Service Brick and Mortar
    412048Bay-Hermann-berger Bank Branch501 Market Street, Hermann, MO 65041October 20, 1911Full Service Brick and Mortar
    5243974Bay BranchCharlois Road And County Road K, Bay, MO 65041May 15, 1978Full Service Brick and Mortar
    69511Berger FacilityMain Street, Berger, MO 63014May 03, 1935Full Service Brick and Mortar

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