UMB Bank, Northwest in St. Joseph, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 31, 1999

  • UMB Bank, Northwest in St. Joseph, Missouri (MO)
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UMB Bank, Northwest - Overview

  • General
  • FDIC Certificate #: 12458
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: UMB Bank, National Association (#13601)
    Federal Reserve ID: 298254
    Date Established: November 11, 1889
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    FDIC's unique #: 7930
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 31, 1999
    Last Structure Change Process Date: August 11, 1999
    Last Data Update: August 11, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 10th And Penn Streets, St. Joseph, MO 64503
    County: Buchanan
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Joseph, MO (#7000)
    Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • Financial Summary
  • Total assets: $151.6 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 78Total employees (full-time equivalent)
  • $171,490Total assets
  • $18,238Cash and due from depository institutions
  • $0Interest-bearing balances
  • $89,389Securities
  • $4,800Federal funds sold & reverse repurchase agreements
  • $55,537Net loans & leases
  • $651Loan loss allowance
  • $0Trading account assets
  • $1,541Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,985All other assets
  • $171,490Total liabilities and capital
  • $158,774Total liabilities
  • $156,436Total deposits
  • $124,619Interest-bearing deposits
  • $156,436Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $868Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $31Other borrowed funds
  • $0Subordinated debt
  • $1,439All other liabilities
  • $12,716Total equity capital
  • $12,716Total bank equity capital
  • $12,716Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $2,500Undivided profits
  • Memoranda
  • $9,216Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $44Earning assets
  • $0Long-term assets (5+ years)
  • $538Average Assets, year-to-date
  • $149,726Average Assets, quarterly
  • $14,156Volatile liabilities
  • $164,633Insider loans
  • $169,895FHLB advances
  • $2,663Loans and leases held for sale
  • $6,606Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20,491Total unused commitments
  • $0Restructured Loans and leases
  • $77,938Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $10,368Total interest income
  • $4,530Total interest expense
  • $5,838Net interest income
  • $17Provision for loan and lease losses
  • $1,610Total noninterest income
  • $0Fiduciary activities
  • $1,384Service charges on deposit accounts
  • $0Trading account gains & fees
  • $226Additional noninterest income
  • $4,795Total noninterest expense
  • $1,993Salaries and employee benefits
  • $529Premises and equipment expense
  • $2,273Additional noninterest expense
  • $2,636Pre-tax net operating income
  • $0Securities gains (losses)
  • $986Applicable income taxes
  • $1,650Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,650Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $27Sale, conversion, retirement of capital stock, net
  • $3,500Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.95%Yield on earning assets
  • 3.04%Cost of funding earning assets
  • 3.91%Net interest margin
  • 1.08%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 11.69%Return on equity (ROE)
  • -13.11%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 62.96%Credit loss provision to net charge-offs
  • 98.26%Efficiency ratio
  • 64,380Assets per employee
  • 2.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 212.12%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 1479.55%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 35.50%Net loans and leases to core deposits
  • 35.91%Equity capital to assets
  • 7.42%Core capital (leverage) ratio
  • 7.27%Tier 1 risk-based capital ratio
  • 15.70%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $164,633Average earning assets
  • $14,110Average equity
  • $149,255Average loans

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