UMB Bank of St. Louis, National Association in St. Louis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 25, 1999

  • UMB Bank of St. Louis, National Association in St. Louis, Missouri (MO)
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UMB Bank of St. Louis, National Association - Overview

  • General
  • FDIC Certificate #: 20757
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: UMB Bank, National Association (#8273)
    Federal Reserve ID: 823357
    Date Established: August 01, 1972
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 28 (Interstate: No)
    FDIC's unique #: 14335
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: August 01, 1972
    Last Structure Change Effective Date: September 25, 1999
    Last Structure Change Process Date: October 06, 1999
    Last Data Update: October 06, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 South Broadway, St. Louis, MO 63102
    County: Saint Louis (City)
    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)
  • Financial Summary
  • Total assets: $1,081.5 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
  • 480Total employees (full-time equivalent)
  • $1,155,505Total assets
  • $99,257Cash and due from depository institutions
  • $0Interest-bearing balances
  • $686,792Securities
  • $35,655Federal funds sold & reverse repurchase agreements
  • $309,010Net loans & leases
  • $3,186Loan loss allowance
  • $0Trading account assets
  • $16,154Bank premises and fixed assets
  • $0Other real estate owned
  • $230Goodwill and other intangibles
  • $0Life insurance assets
  • $8,407All other assets
  • $1,155,505Total liabilities and capital
  • $1,084,797Total liabilities
  • $718,465Total deposits
  • $580,445Interest-bearing deposits
  • $718,465Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $351,109Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $15,223All other liabilities
  • $70,708Total equity capital
  • $70,708Total bank equity capital
  • $70,708Perpetual preferred stock
  • $0Common stock
  • $3,500Surplus
  • $8,100Undivided profits
  • Memoranda
  • $59,108Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,106Earning assets
  • $0Long-term assets (5+ years)
  • $1,530Average Assets, year-to-date
  • $1,031,457Average Assets, quarterly
  • $128,952Volatile liabilities
  • $1,029,078Insider loans
  • $1,063,013FHLB advances
  • $375,483Loans and leases held for sale
  • $26,221Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $37,783Total unused commitments
  • $0Restructured Loans and leases
  • $518,306Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $55,704Total interest income
  • $29,955Total interest expense
  • $25,749Net interest income
  • $530Provision for loan and lease losses
  • $13,131Total noninterest income
  • $0Fiduciary activities
  • $7,187Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,944Additional noninterest income
  • $32,392Total noninterest expense
  • $15,633Salaries and employee benefits
  • $4,515Premises and equipment expense
  • $12,244Additional noninterest expense
  • $5,958Pre-tax net operating income
  • $0Securities gains (losses)
  • $668Applicable income taxes
  • $5,290Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,290Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $587Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.29%Yield on earning assets
  • 3.38%Cost of funding earning assets
  • 2.91%Net interest margin
  • 1.48%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.58%Pretax return on assets
  • 7.67%Return on equity (ROE)
  • 4.77%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 90.29%Credit loss provision to net charge-offs
  • 11.05%Efficiency ratio
  • 83,004Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.81%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 288.07%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 43.01%Net loans and leases to core deposits
  • 44.52%Equity capital to assets
  • 6.12%Core capital (leverage) ratio
  • 6.83%Tier 1 risk-based capital ratio
  • 13.25%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,029,078Average earning assets
  • $68,951Average equity
  • $885,318Average loans

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