Farmers and Merchants Bank of St. Clair in city_name, state_name

Farmers and Merchants Bank of St. Clair in Saint Clair, Missouri (MO)
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Farmers and Merchants Bank of St. Clair routing number info

Farmers and Merchants Bank of St. Clair - Overview

General
FDIC Certificate #: 14056
Status: Active
Federal Reserve ID: 266851
Bank Holding Company (Regulatory Top Holder): Saint Clair Bancshares, Inc. (RSSDID: 2591539, Location: Saint Clair, MO)
Date Established: May 02, 1913
WWW: http://www.fmb4banking.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 10095
FDIC's unique #: 8785
Numeric code: 21
Regulator: FDIC
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 12, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 530 South Main Street, Saint Clair, MO 63077
County: Franklin
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 Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $163.1 mil
Equity capital: $17.5 mil
Deposits held in domestic offices: $139.6 mil
Return on assets (ROA): 0.56% ($0.9 mil)
Quarterly return on assets: 0.52% ($0.8 mil)
Return on Equity (ROE): 5.46% ($1.0 mil)
Quarterly return on equity: 4.96% ($0.9 mil)
Net income: $0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.82% ($1,337.2 mil)
Quarterly Pretax return on assets: 0.79% ($1,288.3 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
62Total employees (full-time equivalent)
$163,072Total assets
$11,648Cash and due from depository institutions
$9,953Interest-bearing balances
$27,209Securities
$0Federal funds sold & reverse repurchase agreements
$113,502Net loans & leases
$1,919Loan loss allowance
$0Trading account assets
$5,980Bank premises and fixed assets
$1,504Other real estate owned
$0Goodwill and other intangibles
$163,072Life insurance assets
$3,229All other assets
$145,572Total liabilities and capital
$139,617Total liabilities
$117,046Total deposits
$139,617Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,000Trading liabilities
$0Other borrowed funds
$955Subordinated debt
$17,500All other liabilities
$17,500Total equity capital
$17,500Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,718Surplus
$15,682Undivided profits
Memoranda
$0Noncurrent loans and leases
$63Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$991Income earned, not collected on loans
$947Earning assets
$558Long-term assets (5+ years)
$150,664Average Assets, year-to-date
$58,966Average Assets, quarterly
$167,499Volatile liabilities
$165,563Insider loans
$117,981FHLB advances
$163,893Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,871Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,867Restructured Loans and leases
$673Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,121Total interest income
$1,562Total interest expense
$6,559Net interest income
$959Provision for loan and lease losses
$1,029Total noninterest income
$0Fiduciary activities
$693Service charges on deposit accounts
$0Trading account gains & fees
$336Additional noninterest income
$5,418Total noninterest expense
$2,784Salaries and employee benefits
$890Premises and equipment expense
$1,744Additional noninterest expense
$1,211Pre-tax net operating income
$168Securities gains (losses)
$448Applicable income taxes
$931Income before extraordinary items
$0Extraordinary gains - net
$931Net income attributable to bank
$0Net charge-offs
$931Cash dividends
$762Sale, conversion, retirement of capital stock, net
$88Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.24%Yield on earning assets
1.01%Cost of funding earning assets
4.23%Net interest margin
0.66%Noninterest income to earning assets
3.50%Noninterest expense to earning assets
0.49%Net operating income to assets
0.56%Return on assets (ROA)
0.82%Pretax return on assets
5.46%Return on equity (ROE)
4.94%Retained earnings to average equity (YTD only)
0.63%Net charge-offs to loans
125.85%Credit loss provision to net charge-offs
2.85%Efficiency ratio
71,402Assets per employee
2.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
9.45%Loss allowance to loans
1.66%Loss allowance to noncurrent loans
193.64%Noncurrent assets plus other real estate owned to assets
1.53%Noncurrent loans to loans
0.86%Net loans and leases to deposits
81.30%Net loans and leases to core deposits
88.37%Equity capital to assets
10.73%Core capital (leverage) ratio
10.29%Tier 1 risk-based capital ratio
14.30%Total risk-based capital ratio
Memoranda
$16Average assets
$167,499Average earning assets
$17,065Average equity
$154,927Average loans

List of branches

5 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8785	Farmers And Merchants Bank Of St. Cl	530 South Main Street, Saint Clair, MO 63077	May 02, 1913	Full Service Brick and Mortar
1	230886	Plaza Facility	905 St. Clair Plaza Drive, St. Clair, MO 63077	July 09, 1984	Limited Service Facility
2	230887	High Ridge Branch	1010 Crossroads Place, High Ridge, MO 63049	November 30, 1998	Full Service Brick and Mortar
3	230888	Lonedell Branch	3732 Hwy 30, Suite B, Lonedell, MO 63060	December 16, 1998	Full Service Brick and Mortar
4	454692	Eureka Branch	619 Stockell Drive, Eureka, MO 63025	August 28, 2006	Full Service Brick and Mortar

Farmers and Merchants Bank of St. Clair in Saint Clair, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers and Merchants Bank of St. Clair - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Farmers and Merchants Bank of St. Clair in Saint Clair, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers and Merchants Bank of St. Clair - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Farmers and Merchants Bank of St. Clair in Saint Clair, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches