UMB Bank, Northeast in Monroe City, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 25, 1999

UMB Bank, Northeast in Monroe City, Missouri (MO)
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UMB Bank, Northeast - Overview

General
FDIC Certificate #: 1422
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: UMB Bank, National Association (#8273)
Federal Reserve ID: 814757
Date Established: January 01, 1875
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Interstate: No)
FDIC's unique #: 942
Numeric code: 13
Regulator: FED
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 25, 1999
Last Structure Change Process Date: October 06, 1999
Last Data Update: October 06, 1999
Data Source Date: April 05, 2012
Location
Address: 201 North Main Street, Monroe City, MO 63456
County: Monroe
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Columbia Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Financial Summary
Total assets: $71.5 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
28Total employees (full-time equivalent)
$72,110Total assets
$2,339Cash and due from depository institutions
$0Interest-bearing balances
$32,649Securities
$5,822Federal funds sold & reverse repurchase agreements
$29,883Net loans & leases
$392Loan loss allowance
$0Trading account assets
$560Bank premises and fixed assets
$6Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$851All other assets
$72,110Total liabilities and capital
$66,154Total liabilities
$61,874Total deposits
$56,251Interest-bearing deposits
$61,874Deposits held in domestic offices
0.00%% insured (estimated)
$3,736Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$544All other liabilities
$5,956Total equity capital
$5,956Total bank equity capital
$5,956Perpetual preferred stock
$0Common stock
$300Surplus
$700Undivided profits
Memoranda
$4,956Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$387Earning assets
$121Long-term assets (5+ years)
$317Average Assets, year-to-date
$68,354Average Assets, quarterly
$5,229Volatile liabilities
$65,184Insider loans
$67,599FHLB advances
$12,188Loans and leases held for sale
$988Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,752Total unused commitments
$0Restructured Loans and leases
$36,682Derivatives

Income and Expense (December 31, 1998)

Dollar figures in thousands
$4,638Total interest income
$2,292Total interest expense
$2,346Net interest income
$36Provision for loan and lease losses
$243Total noninterest income
$0Fiduciary activities
$157Service charges on deposit accounts
$0Trading account gains & fees
$86Additional noninterest income
$1,575Total noninterest expense
$789Salaries and employee benefits
$566Premises and equipment expense
$220Additional noninterest expense
$978Pre-tax net operating income
$0Securities gains (losses)
$367Applicable income taxes
$611Income before extraordinary items
$0Extraordinary gains - net
$611Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$96Sale, conversion, retirement of capital stock, net
$590Net operating income

Performance and Condition Ratios (December 31, 1998)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.50%Yield on earning assets
3.70%Cost of funding earning assets
3.79%Net interest margin
0.39%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
0.94%Net operating income to assets
0.94%Return on assets (ROA)
1.50%Pretax return on assets
10.20%Return on equity (ROE)
0.35%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
37.50%Credit loss provision to net charge-offs
10.56%Efficiency ratio
60,834Assets per employee
2.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
96.56%Loss allowance to loans
1.29%Loss allowance to noncurrent loans
101.29%Noncurrent assets plus other real estate owned to assets
0.55%Noncurrent loans to loans
1.28%Net loans and leases to deposits
48.30%Net loans and leases to core deposits
55.94%Equity capital to assets
8.26%Core capital (leverage) ratio
8.40%Tier 1 risk-based capital ratio
15.76%Total risk-based capital ratio
Memoranda
$17Average assets
$65,184Average earning assets
$5,993Average equity
$61,878Average loans

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