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

This bank is inactive as of July 31, 1999

UMB Bank, Northwest in St. Joseph, Missouri (MO)
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UMB Bank, Northwest - Overview

General
FDIC Certificate #: 12458
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: UMB Bank, National Association (#13601)
Federal Reserve ID: 298254
Date Established: November 11, 1889
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Interstate: No)
FDIC's unique #: 7930
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: July 31, 1999
Last Structure Change Process Date: August 11, 1999
Last Data Update: August 11, 1999
Data Source Date: April 05, 2012
Location
Address: 10th And Penn Streets, St. Joseph, MO 64503
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: $151.6 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
78Total employees (full-time equivalent)
$171,490Total assets
$18,238Cash and due from depository institutions
$0Interest-bearing balances
$89,389Securities
$4,800Federal funds sold & reverse repurchase agreements
$55,537Net loans & leases
$651Loan loss allowance
$0Trading account assets
$1,541Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,985All other assets
$171,490Total liabilities and capital
$158,774Total liabilities
$156,436Total deposits
$124,619Interest-bearing deposits
$156,436Deposits held in domestic offices
0.00%% insured (estimated)
$868Federal funds purchased & repurchase agreements
$0Trading liabilities
$31Other borrowed funds
$0Subordinated debt
$1,439All other liabilities
$12,716Total equity capital
$12,716Total bank equity capital
$12,716Perpetual preferred stock
$0Common stock
$1,000Surplus
$2,500Undivided profits
Memoranda
$9,216Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$44Earning assets
$0Long-term assets (5+ years)
$538Average Assets, year-to-date
$149,726Average Assets, quarterly
$14,156Volatile liabilities
$164,633Insider loans
$169,895FHLB advances
$2,663Loans and leases held for sale
$6,606Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$20,491Total unused commitments
$0Restructured Loans and leases
$77,938Derivatives

Income and Expense (December 31, 1998)

Dollar figures in thousands
$10,368Total interest income
$4,530Total interest expense
$5,838Net interest income
$17Provision for loan and lease losses
$1,610Total noninterest income
$0Fiduciary activities
$1,384Service charges on deposit accounts
$0Trading account gains & fees
$226Additional noninterest income
$4,795Total noninterest expense
$1,993Salaries and employee benefits
$529Premises and equipment expense
$2,273Additional noninterest expense
$2,636Pre-tax net operating income
$0Securities gains (losses)
$986Applicable income taxes
$1,650Income before extraordinary items
$0Extraordinary gains - net
$1,650Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$27Sale, conversion, retirement of capital stock, net
$3,500Net operating income

Performance and Condition Ratios (December 31, 1998)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.95%Yield on earning assets
3.04%Cost of funding earning assets
3.91%Net interest margin
1.08%Noninterest income to earning assets
3.21%Noninterest expense to earning assets
1.00%Net operating income to assets
1.00%Return on assets (ROA)
1.60%Pretax return on assets
11.69%Return on equity (ROE)
-13.11%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
62.96%Credit loss provision to net charge-offs
98.26%Efficiency ratio
64,380Assets per employee
2.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
212.12%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
1479.55%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.08%Net loans and leases to deposits
35.50%Net loans and leases to core deposits
35.91%Equity capital to assets
7.42%Core capital (leverage) ratio
7.27%Tier 1 risk-based capital ratio
15.70%Total risk-based capital ratio
Memoranda
$17Average assets
$164,633Average earning assets
$14,110Average equity
$149,255Average loans

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