Citizens National Bank of Greater St. Louis in Maplewood, Missouri (MO)



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Citizens National Bank of Greater St. Louis routing number info

Table of contents:
Citizens National Bank of Greater St. Louis
GeneralFDIC Certificate #: 4549
Status: Active
Federal Reserve ID: 870650
Bank Holding Company (Regulatory Top Holder): Cardinal Bancorp, Inc. (RSSDID: 1140930, Location: Saint Louis, MO)
Date Established: January 01, 1915
WWW: http://www.cnbstl.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 12959
FDIC's unique #: 3011
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
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
LocationAddress: 7305 Manchester Avenue, Maplewood, MO 63143
County: St. Louis
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $455.0 mil
Equity capital: $53.3 mil
Deposits held in domestic offices: $377.0 mil
Return on assets (ROA): 0.90% ($4.1 mil)
Quarterly return on assets: 1.06% ($4.8 mil)
Return on Equity (ROE): 8.26% ($4.4 mil)
Quarterly return on equity: 9.20% ($4.9 mil)
Net income: $4.3 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.30% ($5,915.5 mil)
Quarterly Pretax return on assets: 1.51% ($6,871.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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)
Total employees (full-time equivalent)91
Total assets$455,035
Cash and due from depository institutions$20,235
Interest-bearing balances$156
Securities$79,422
Federal funds sold & reverse repurchase agreements$588
Net loans & leases$328,566
Loan loss allowance $7,004
Trading account assets$0
Bank premises and fixed assets$9,570
Other real estate owned$8,569
Goodwill and other intangibles$0
All other assets$8,085
Life insurance assets$455,035
Total liabilities and capital$401,740
Total liabilities$377,034
Total deposits$346,635
Interest-bearing deposits$377,034
Deposits held in domestic offices$94
% insured (estimated)16155.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,800
Other borrowed funds $0
Subordinated debt $3,751
All other liabilities $53,295
Total equity capital$53,295
Total bank equity capital$53,295
Perpetual preferred stock$0
Common stock$500
Surplus$1,000
Undivided profits $51,795
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,045
Income earned, not collected on loans $6,369
Earning assets $0
Long-term assets (5+ years) $1,663
Average Assets, year-to-date $408,732
Average Assets, quarterly $68,875
Volatile liabilities $473,556
Insider loans $460,532
FHLB advances $415,721
Loans and leases held for sale $465,083
Unused loan commitments $768
Tier 1 (core) risk-based capital $768
Tier 2 risk-based capital $51,981
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $67,511
Derivatives$38,592
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $21,608
Total interest expense $4,290
Net interest income $17,318
Provision for loan and lease losses $1,972
Total noninterest income $905
Fiduciary activities $0
Service charges on deposit accounts $712
Trading account gains & fees $0
Additional noninterest income $193
Total noninterest expense $10,089
Salaries and employee benefits $5,642
Premises and equipment expense $1,224
Additional noninterest expense $3,223
Pre-tax net operating income $6,162
Securities gains (losses) $0
Applicable income taxes $1,897
Income before extraordinary items $4,265
Extraordinary gains - net $0
Net income attributable to bank $4,265
Net charge-offs $0
Cash dividends $4,265
Sale, conversion, retirement of capital stock, net $2,059
Net operating income $1,471
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.94%
Cost of funding earning assets 0.98%
Net interest margin 3.96%
Noninterest income to earning assets 0.21%
Noninterest expense to earning assets 2.31%
Net operating income to assets 0.90%
Return on assets (ROA) 0.90%
Pretax return on assets 1.30%
Return on equity (ROE) 8.26%
Retained earnings to average equity (YTD only) 5.41%
Net charge-offs to loans 0.58%
Credit loss provision to net charge-offs 95.77%
Efficiency ratio3.95%
Assets per employee$55,364
Cash dividends to net income (YTD only)5.00%
Condition Ratios (%)
Loss allowance to loans 34.49%
Loss allowance to noncurrent loans 2.09%
Noncurrent assets plus other real estate owned to assets 109.97%
Noncurrent loans to loans 3.28%
Net loans and leases to deposits1.90%
Net loans and leases to core deposits 87.14%
Equity capital to assets 93.86%
Core capital (leverage) ratio 11.71%
Tier 1 risk-based capital ratio 11.18%
Total risk-based capital ratio 12.50%
Memoranda
Average assets$14
Average earning assets$473,556
Average equity $51,611
Average loans $437,389
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6 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03011Citizens National Bank Of Greater St7305 Manchester Avenue, Maplewood, MO 63143January 01, 1915Full Service Brick and Mortar
2203831Affton Banking Center Branch9111 Mackenzie Road, Affton, MO 63123May 04, 1992Full Service Brick and Mortar
3203832Westport Banking Center Branch11812 Dorsett Road, Maryland Heights, MO 63043October 25, 1995Full Service Brick and Mortar
4203833Florissant Banking Center Branch430 St. Ferdinand, Florissant, MO 63031November 25, 1996Full Service Brick and Mortar
5203834671 Salt Lick Road Branch671 Salt Lick Road, St. Peters, MO 63376June 09, 1998Full Service Brick and Mortar
6469158Citizens National Bank Branch2145 Bluestone Drive, Hwy 94 @ Portwest Drive, Saint Charles, MO 63303August 20, 2007Full Service Brick and Mortar
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