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/FIRST ADD -- NY087 -- MARK TWAIN BANCSHARES, INC./

 MARK TWAIN BANCSHARES, INC. AND SUBSIDIARIES
 CONDENSED CONSOLIDATED BALANCE SHEET
 (Dollars in thousands, except per share data)
 June 30, June 30, Dec. 31
 1993 1992 1992
 Assets
 Cash and due from banks $ 101,052 $ 99,238 $ 105,464
 Interest bearing deposits
 with banks --- 588 598
 Federal funds sold and securities
 purchased under resale
 agreements 25,600 39,600 29,400
 Trading account securities 48,880 13,467 23,014
 Debt securities held for sale 40,957 ? --- ---
 Mortgage loans held for resale 90,557 76,796 72,030
 Investment securities 410,536 398,665 458,834
 Loans, net of allowance for loan
 losses of $24,300, $23,613 and
 $23,794, respectively 1,493,325 1,432,960 1,416,951
 Premises and equipment 26,971 27,071 27,180
 Accrued income receivable 13,863 16,797 13,400
 Other assets 58,985 123,661 66,258
 Total Assets $2,310,726 $2,228,843 $2,213,129
 Liabilities
 Non-interest bearing deposits $ 364,721 $ 292,183 $ 345,507
 Interest bearing deposits 1,588,286 1,577,966 1,545,858
 Total Deposits 1,953,007 1,870,149 1,891,365
 Short-term borrowings 125,949 90,550 94,408
 Other liabilities 23,586 84,280 33,692
 Long-term debt 23,892 26,379 26,272
 Total Liabilities $2,126,434 $2,071,358 $2,045,737
 Shareholders' Equity
 Common stock, $1.25 par value,
 authorized 30,000,000 shares, issued
 14,642,936, 14,121,610 and 14,125,764
 shares, respectively 18,304 17,652 17,657
 Surplus 46,372 43,547 43,706
 Undivided profits 121,941 99,792 109,380
 Total 186,617 160,991 170,743
 Less common treasury stock at cost,
 517,431, 645,000 and 629,803 shares
 respectively 2,325 3,506 3,351
 Total Shareholders' Equity 184,292 157,485 167,392
 Total Liabilities and
 Shareholders' Equity $2,310,726 $2,228,843 $2,213,129
 CONDENSED CONSOLIDATED STATEMENT OF INCOME
 Six Months Three Months
 Ended June 30, Ended June 30,
 1993 1992 1993 1992
 Interest From Earnings Assets
 Interest and fees on loans $58,634 $63,455 $29,677 $31,664
 Interest on investment securities
 Taxable 18,238 16,901 9,006 8,261
 Non-Taxable 169 241 76 117
 Interest on trading
 account securities 1,302 776 346 657
 Interest on mortgage loans held
 for resale 2,462 3,094 1,499 1,906
 Interest on deposits with banks 8 12 2 6
 Interest on federal funds sold and
 securities purchased under resale
 agreements 193 152 134 71
 Total Interest Income 81,006 84,631 40,740 42,682
 Interest Expense
 Interest on deposits 26,698 36,147 13,157 17,360
 Interest on short-term borrowings 2,415 2,818 1,168 1,583
 Interest on long-term debt 969 1,031 473 513
 Total Interest Expense 30,082 39,996 14,798 19,456
 Net interest income 50,924 44,635 25,942 23,226
 Provision for loan losses 3,793 4,867 2,026 3,298
 Net Interest Income After Provision
 For Loan Losses 47,131 39,768 23,916 19,928
 Other Income
 Service charges on
 deposit accounts 4,154 3,725 2,133 1,835
 Securities gains --- 1,251 --- ---
 Other 16,564 12,953 9,554 6,595
 Total Other Income 20,718 17,929 11,687 8,430
 Other Expenses
 Salaries 18,121 16,423 9,400 8,263
 Employee benefits 3,237 3,015 1,577 1,364
 Net occupancy expense 4,342 3,645 2,114 1,815
 Furniture and equipment expense 1,927 1,723 987 864
 Other 15,631 13,795 8,736 7,354
 Total Other Expenses 43,258 38,601 22,814 19,660
 Income Before Income Taxes 24,591 19,096 12,789 8,698
 Applicable income taxes 8,578 6,356 4,602 2,098
 Net Income $16,013 $12,740 $ 8,187 $ 6,600
 Net Income Per Share:
 Primary $ 1.12 $ .94 $ .57 $ .48
 Fully Diluted $ 1.08 $ .90 $ .55 $ .47
 Common Dividends Paid Per Share $ .38 $ .33 $ .19 $ .17
 CONSOLIDATED BALANCE SHEET AND NET INTEREST MARGIN
 Three Months Ended
 June 30, 1993
 Avg.
 Avg. Yield/
 Volume Interest Rate
 Assets
 Interest earnings assets:
 Loans(A) $1,517,844 $ 29,922 7.91
 percent
 Taxable investment securities 460,209 9,006 7.85
 Non-taxable investment
 securities(A) 5,519 115 8.36
 Trading account securities 26,172 346 5.30
 Mortgage loans held for resale 82,085 1,499 7.32
 Interest bearing
 deposits with bank 309 2 2.60
 Federal funds sold and securities
 purchased under resale
 agreements 16,466 134 3.26
 Total interest earning assets 2,108,604 41,024 7.80
 Non-interest earning assets:
 Cash and due from banks 101,801
 Other assets 100,801
 Allowance for loan losses (24,312)
 Total $2,286,894
 Liabilities and Shareholders' Equity
 Interest bearing liabilities:
 Interest bearing demand
 deposits $ 206,406 1,213 2.36
 Savings and money
 market deposits 658,655 4,777 2.91
 Time deposits 695,101 7,167 4.14
 Short-term borrowings 154,998 1,168 3.02
 Long-term debt 24,366 473 7.79
 Total interest bearing
 liabilities $1,739,526 14,798 3.41
 Non-interest bearing liabilities:
 Non-interest bearing deposits 342,582
 Other liabilities 24,674
 Shareholders' equity 180,112
 Total $2,286,894
 Net interest income $ 26,226
 Net interest margin 4.99
 CONSOLIDATED BALANCE SHEET AND NET INTEREST MARGIN
 Three Months Ended
 June 30, 1992
 Avg.
 Avg. Yield/
 Volume Interest Rate
 Assets
 Interest earnings assets:
 Loans(A) $1,487,749 $ 31,973 8.64
 Taxable investment securities 396,666 8,261 3.38
 Non-taxable investment
 securities(A) 8,235 176 8.60
 Trading account securities 37,305 657 7.08
 Mortgage loans held for resale 99,445 1,906 7.58
 Interest bearing
 deposits with bank 581 6 4.15
 Federal funds sold and
 securities purchased under
 resale agreements 7,542 71 3.79
 Total interest earning assets 2,037,523 43,050 8.50
 Non-interest earning assets:
 Cash and due from banks 93,896
 Other assets 104,138
 Allowance for loan losses (23,921)
 Total $2,211,636
 Liabilities and Shareholders' Equity
 Interest bearing liabilities:
 Interest bearing
 demand deposits $ 176,443 1,569 3.58
 Savings and money
 market deposits 670,507 6,506 3.90
 Time deposits 713,668 9,285 5.23
 Short-term borrowings 152,820 1,583 4.17
 Long-term debt 26,581 513 7.76
 Total interest bearing
 liabilities $1,740,019 19,456 4.50
 Non-interest bearing liabilities:
 Non-interest bearing deposits 284,635
 Other liabilities 32,516
 Shareholders' equity 154,466
 Total $2,211,636
 Net interest income $ 23,594
 Net interest margin 4.66
 -0- 7/14/93 AA NY087
 /PRNewswire -- July 14/
 /END FIRST ADD -- SECOND AND FINAL ADD TO FOLLOW/
 (MTWN)


CO: Mark Twain Bancshares ST: Missouri IN: FIN SU: ERN

LD -- NY087A -- 1657 07/14/93 18:09 EDT
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Date:Jul 14, 1993
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