UMB Bank, Warrensburg in Warrensburg, Missouri (MO)



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UMB Bank, Warrensburg
GeneralFDIC Certificate #: 4575
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: UMB Bank, National Association (#8273)
Federal Reserve ID: 380757
Date Established: November 28, 1890
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
FDIC's unique #: 3030
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: September 11, 1999
Last Structure Change Process Date: October 06, 1999
Last Data Update: October 06, 1999
Data Source Date: April 05, 2012
LocationAddress: 101 North Holden Street, Warrensburg, MO 64093
County: Johnson
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
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Warrensburg, MO (#47660)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $108.7 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)
Total employees (full-time equivalent)48
Total assets$104,880
Cash and due from depository institutions$2,032
Interest-bearing balances$0
Securities$76,506
Federal funds sold & reverse repurchase agreements$1,000
Net loans & leases$22,574
Loan loss allowance $299
Trading account assets$0
Bank premises and fixed assets$1,481
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,287
Life insurance assets$0
Total liabilities and capital$104,880
Total liabilities$97,112
Total deposits$89,891
Interest-bearing deposits$71,343
Deposits held in domestic offices$89,891
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $6,079
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $1,142
Total equity capital$7,768
Total bank equity capital$7,768
Perpetual preferred stock$7,768
Common stock$0
Surplus$500
Undivided profits $1,000
Memoranda
Noncurrent loans and leases $6,268
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $57
Long-term assets (5+ years) $0
Average Assets, year-to-date $252
Average Assets, quarterly $100,080
Volatile liabilities $15,084
Insider loans $101,722
FHLB advances $102,022
Loans and leases held for sale $7,964
Unused loan commitments $224
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $942
Restructured Loans and leases $0
Derivatives$34,925
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Income and Expense (December 31, 1998)
(Dollar figures in thousands)
Total interest income $6,042
Total interest expense $2,733
Net interest income $3,309
Provision for loan and lease losses $40
Total noninterest income $804
Fiduciary activities $0
Service charges on deposit accounts $656
Trading account gains & fees $0
Additional noninterest income $148
Total noninterest expense $2,587
Salaries and employee benefits $1,181
Premises and equipment expense $335
Additional noninterest expense $1,071
Pre-tax net operating income $1,486
Securities gains (losses) $0
Applicable income taxes $280
Income before extraordinary items $1,206
Extraordinary gains - net $0
Net income attributable to bank $1,206
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $104
Net operating income $2,430
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Performance and Condition Ratios (December 31, 1998)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.37%
Cost of funding earning assets 2.88%
Net interest margin 3.49%
Noninterest income to earning assets 0.85%
Noninterest expense to earning assets 2.73%
Net operating income to assets 1.19%
Return on assets (ROA) 1.19%
Pretax return on assets 1.46%
Return on equity (ROE) 13.69%
Retained earnings to average equity (YTD only) -13.89%
Net charge-offs to loans 0.43%
Credit loss provision to net charge-offs 38.46%
Efficiency ratio14.67%
Assets per employee$62,898
Cash dividends to net income (YTD only)2.19%
Condition Ratios (%)
Loss allowance to loans 201.49%
Loss allowance to noncurrent loans 1.31%
Noncurrent assets plus other real estate owned to assets 524.56%
Noncurrent loans to loans 0.05%
Net loans and leases to deposits0.25%
Net loans and leases to core deposits 25.11%
Equity capital to assets 25.65%
Core capital (leverage) ratio 7.41%
Tier 1 risk-based capital ratio 7.10%
Total risk-based capital ratio 21.08%
Memoranda
Average assets$22
Average earning assets$101,722
Average equity $8,811
Average loans $94,785
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