The Missouri Bank in Warrenton, Missouri (MO)



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The Missouri Bank
GeneralFDIC 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
WWW: http://www.themissouribank.com
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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)59
Total assets$213,222
Cash and due from depository institutions$35,502
Interest-bearing balances$24,218
Securities$43,885
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$122,862
Loan loss allowance $2,084
Trading account assets$0
Bank premises and fixed assets$4,739
Other real estate owned$3,199
Goodwill and other intangibles$0
All other assets$3,035
Life insurance assets$213,222
Total liabilities and capital$192,006
Total liabilities$185,103
Total deposits$151,857
Interest-bearing deposits$185,103
Deposits held in domestic offices$82
% insured (estimated)1689.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $214
All other liabilities $21,216
Total equity capital$21,216
Total bank equity capital$21,216
Perpetual preferred stock$0
Common stock$390
Surplus$6,386
Undivided profits $14,440
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 $617
Earning assets $0
Long-term assets (5+ years) $1,132
Average Assets, year-to-date $190,965
Average Assets, quarterly $40,643
Volatile liabilities $207,277
Insider loans $208,750
FHLB advances $144,931
Loans and leases held for sale $201,856
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $19,908
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,065
Derivatives$13,038
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,100
Total interest expense $1,515
Net interest income $7,585
Provision for loan and lease losses $525
Total noninterest income $530
Fiduciary activities $0
Service charges on deposit accounts $547
Trading account gains & fees $0
Additional noninterest income -$17
Total noninterest expense $4,679
Salaries and employee benefits $2,678
Premises and equipment expense $748
Additional noninterest expense $1,253
Pre-tax net operating income $2,911
Securities gains (losses) $0
Applicable income taxes $84
Income before extraordinary items $2,827
Extraordinary gains - net $0
Net income attributable to bank $2,827
Net charge-offs $0
Cash dividends $2,827
Sale, conversion, retirement of capital stock, net $788
Net operating income $2,004
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.81%
Cost of funding earning assets 0.80%
Net interest margin 4.01%
Noninterest income to earning assets 0.28%
Noninterest expense to earning assets 2.47%
Net operating income to assets 1.36%
Return on assets (ROA) 1.36%
Pretax return on assets 1.40%
Return on equity (ROE) 14.17%
Retained earnings to average equity (YTD only) 4.12%
Net charge-offs to loans 0.61%
Credit loss provision to net charge-offs 66.62%
Efficiency ratio4.36%
Assets per employee$57,659
Cash dividends to net income (YTD only)3.61%
Condition Ratios (%)
Loss allowance to loans 70.89%
Loss allowance to noncurrent loans 1.67%
Noncurrent assets plus other real estate owned to assets 337.76%
Noncurrent loans to loans 1.79%
Net loans and leases to deposits0.49%
Net loans and leases to core deposits 66.37%
Equity capital to assets 68.74%
Core capital (leverage) ratio 9.95%
Tier 1 risk-based capital ratio 9.86%
Total risk-based capital ratio 13.74%
Memoranda
Average assets$15
Average earning assets$207,277
Average equity $19,952
Average loans $189,093
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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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