The Moniteau National Bank of California in California, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1994

The Moniteau National Bank of California in California, Missouri (MO)
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The Moniteau National Bank of California - Overview

General
FDIC Certificate #: 4528
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Commerce Bank, National Association (#1631)
Federal Reserve ID: 475149
Date Established: September 12, 1867
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 2994
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 01, 1994
Last Structure Change Process Date: October 19, 1994
Last Data Update: October 19, 1994
Data Source Date: April 05, 2012
Location
Address: 209 East Main Street, California, MO 65018
County: Moniteau
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Columbia Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Jefferson City, MO (#27620)
CBSA Metro Statistical Area: Jefferson City, MO (#27620)
Financial Summary
Total assets: $32.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$14Total assets
$33,836Cash and due from depository institutions
$2,142Interest-bearing balances
$65Securities
$17,987Federal funds sold & reverse repurchase agreements
$3,449Net loans & leases
$9,626Loan loss allowance
$160Trading account assets
$0Bank premises and fixed assets
$305Other real estate owned
$0Goodwill and other intangibles
$327Life insurance assets
$0All other assets
$0Total liabilities and capital
$33,836Total liabilities
$31,387Total deposits
$31,302Interest-bearing deposits
$27,489Deposits held in domestic offices
31302.00%% insured (estimated)
$81Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$85Total equity capital
$85Total bank equity capital
$2,449Perpetual preferred stock
$0Common stock
$75Surplus
$100Undivided profits
Memoranda
$2,274Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$22Income earned, not collected on loans
$71Earning assets
$31,127Long-term assets (5+ years)
$6,200Average Assets, year-to-date
$34,625Average Assets, quarterly
$33,210Volatile liabilities
$855Insider loans
$81FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$583Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,449Total risk weighted assets
$10,993Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$2,201Total interest expense
$1,001Net interest income
$1,200Provision for loan and lease losses
$107Total noninterest income
$158Fiduciary activities
$0Service charges on deposit accounts
$121Trading account gains & fees
$0Additional noninterest income
$37Total noninterest expense
$889Salaries and employee benefits
$517Premises and equipment expense
$98Additional noninterest expense
$274Pre-tax net operating income
$362Securities gains (losses)
$2Applicable income taxes
$66Income before extraordinary items
$298Extraordinary gains - net
$0Net income attributable to bank
$298Net charge-offs
$132Cash dividends
$25Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.89%Cost of funding earning assets
3.13%Net interest margin
3.75%Noninterest income to earning assets
0.49%Noninterest expense to earning assets
2.78%Net operating income to assets
0.86%Return on assets (ROA)
0.86%Pretax return on assets
1.05%Return on equity (ROE)
12.89%Retained earnings to average equity (YTD only)
11.81%Net charge-offs to loans
1.25%Credit loss provision to net charge-offs
81.06%Efficiency ratio
65,464Assets per employee
2.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
8.39%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
727.27%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.22%Net loans and leases to deposits
30.75%Net loans and leases to core deposits
31.62%Equity capital to assets
7.24%Core capital (leverage) ratio
7.46%Tier 1 risk-based capital ratio
22.28%Total risk-based capital ratio
Memoranda
$24Average assets
$34,625Average earning assets
$2,311Average equity
$31,961Average loans

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