1st Advantage Bank in Saint Peters, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

1st Advantage Bank - Overview

  • General
  • FDIC Certificate #: 57899
    Status: Active
    Federal Reserve ID: 3317192
    Bank Holding Company (Regulatory Top Holder): 1st Advantage Bancshares, Inc. (RSSDID: 3370517, Location: Saint Peters, MO)
    Date Established: January 31, 2005
    WWW: http://www.1stadvantagebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 429739
    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: January 31, 2005
    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: 240 Salt Lick Road, Saint Peters, MO 63376
    County: St. Charles
    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: $78.8 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $71.5 mil
    Return on assets (ROA): -0.75% (-$0.6 mil)
    Quarterly return on assets: -0.63% (-$0.5 mil)
    Return on Equity (ROE): -16.24% (-$0.6 mil)
    Quarterly return on equity: -12.04% (-$0.5 mil)
    Net income: -$0.7 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.75% (-$591.0 mil)
    Quarterly Pretax return on assets: -0.63% (-$496.5 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
  • 14Total employees (full-time equivalent)
  • $78,804Total assets
  • $5,723Cash and due from depository institutions
  • $5,206Interest-bearing balances
  • $5,418Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $58,987Net loans & leases
  • $1,685Loan loss allowance
  • $0Trading account assets
  • $2,026Bank premises and fixed assets
  • $5,926Other real estate owned
  • $0Goodwill and other intangibles
  • $78,804Life insurance assets
  • $724All other assets
  • $74,601Total liabilities and capital
  • $71,540Total liabilities
  • $65,662Total deposits
  • $71,540Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $61Subordinated debt
  • $4,203All other liabilities
  • $4,203Total equity capital
  • $4,203Total bank equity capital
  • $0Perpetual preferred stock
  • $534Common stock
  • $11,391Surplus
  • $-7,722Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,790Income earned, not collected on loans
  • $0Earning assets
  • $199Long-term assets (5+ years)
  • $69,611Average Assets, year-to-date
  • $5,567Average Assets, quarterly
  • $87,894Volatile liabilities
  • $81,267Insider loans
  • $64,572FHLB advances
  • $80,032Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,062Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,883Restructured Loans and leases
  • $1,572Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,759Total interest income
  • $1,248Total interest expense
  • $2,511Net interest income
  • $896Provision for loan and lease losses
  • $382Total noninterest income
  • $0Fiduciary activities
  • $20Service charges on deposit accounts
  • $0Trading account gains & fees
  • $362Additional noninterest income
  • $2,654Total noninterest expense
  • $1,157Salaries and employee benefits
  • $207Premises and equipment expense
  • $1,290Additional noninterest expense
  • -$657Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • -$661Income before extraordinary items
  • $0Extraordinary gains - net
  • -$661Net income attributable to bank
  • $0Net charge-offs
  • -$661Cash dividends
  • $1,987Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 1.58%Cost of funding earning assets
  • 3.18%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • -0.75%Net operating income to assets
  • -0.75%Return on assets (ROA)
  • -0.75%Pretax return on assets
  • -16.24%Return on equity (ROE)
  • -16.24%Retained earnings to average equity (YTD only)
  • 2.97%Net charge-offs to loans
  • 45.09%Credit loss provision to net charge-offs
  • 0.12%Efficiency ratio
  • 91,739Assets per employee
  • 5.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.78%Loss allowance to noncurrent loans
  • 21.63%Noncurrent assets plus other real estate owned to assets
  • 17.41%Noncurrent loans to loans
  • 12.84%Net loans and leases to deposits
  • 82.45%Net loans and leases to core deposits
  • 99.27%Equity capital to assets
  • 5.33%Core capital (leverage) ratio
  • 5.08%Tier 1 risk-based capital ratio
  • 6.29%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $87,894Average earning assets
  • $4,071Average equity
  • $78,957Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04297391st Advantage Bank240 Salt Lick Road, Saint Peters, MO 63376January 31, 2005Full Service Brick and Mortar

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 1st Advantage Bank.
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.
Table of Contents