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

This bank is inactive as of November 30, 1993

The Bank of St. Joseph in St. Joseph, Missouri (MO)
Show street view No street view available for this location

The Bank of St. Joseph - Overview

General
FDIC Certificate #: 11011
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Bank of Missouri (#18815)
Federal Reserve ID: 291451
Date Established: July 26, 1904
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
FDIC's unique #: 7058
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: November 30, 1993
Last Structure Change Process Date: December 15, 1993
Last Data Update: December 15, 1993
Data Source Date: April 05, 2012
Location
Address: Sixth And Edmond Streets, St. Joseph, MO 64501
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: $135.1 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$47Total assets
$157,184Cash and due from depository institutions
$3,641Interest-bearing balances
$0Securities
$5,482Federal funds sold & reverse repurchase agreements
$8,250Net loans & leases
$107,641Loan loss allowance
$4,887Trading account assets
$0Bank premises and fixed assets
$1,813Other real estate owned
$23,964Goodwill and other intangibles
$6,393Life insurance assets
$0All other assets
$0Total liabilities and capital
$157,184Total liabilities
$150,208Total deposits
$149,470Interest-bearing deposits
$141,509Deposits held in domestic offices
149470.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$738Total equity capital
$738Total bank equity capital
$6,976Perpetual preferred stock
$0Common stock
$300Surplus
$7,676Undivided profits
Memoranda
$-1,000Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$12,637Income earned, not collected on loans
$697Earning assets
$121,373Long-term assets (5+ years)
$11,412Average Assets, year-to-date
$177,019Average Assets, quarterly
$160,426Volatile liabilities
$20,900Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,763Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,976Total risk weighted assets
$149,242Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$11,564Total interest expense
$9,542Net interest income
$2,022Provision for loan and lease losses
$2,632Total noninterest income
$896Fiduciary activities
$0Service charges on deposit accounts
$391Trading account gains & fees
$0Additional noninterest income
$505Total noninterest expense
$8,124Salaries and employee benefits
$992Premises and equipment expense
$285Additional noninterest expense
$6,847Pre-tax net operating income
-$7,838Securities gains (losses)
$554Applicable income taxes
-$2,847Income before extraordinary items
-$4,437Extraordinary gains - net
$0Net income attributable to bank
-$4,437Net charge-offs
$3,545Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.98%Cost of funding earning assets
6.59%Net interest margin
1.40%Noninterest income to earning assets
0.62%Noninterest expense to earning assets
5.61%Net operating income to assets
-2.71%Return on assets (ROA)
-2.51%Pretax return on assets
-4.11%Return on equity (ROE)
-49.50%Retained earnings to average equity (YTD only)
-49.50%Net charge-offs to loans
2.83%Credit loss provision to net charge-offs
74.25%Efficiency ratio
278,410Assets per employee
3.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.34%Loss allowance to noncurrent loans
38.67%Noncurrent assets plus other real estate owned to assets
23.29%Noncurrent loans to loans
11.23%Net loans and leases to deposits
72.02%Net loans and leases to core deposits
83.72%Equity capital to assets
4.44%Core capital (leverage) ratio
4.28%Tier 1 risk-based capital ratio
4.67%Total risk-based capital ratio
Memoranda
$6Average assets
$177,019Average earning assets
$8,964Average equity
$144,871Average loans

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Bank of St. Joseph.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.