Citizens National Bank of Greater St. Louis in Maplewood, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens National Bank of Greater St. Louis - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 91Total employees (full-time equivalent)
  • $455,035Total assets
  • $20,235Cash and due from depository institutions
  • $156Interest-bearing balances
  • $79,422Securities
  • $588Federal funds sold & reverse repurchase agreements
  • $328,566Net loans & leases
  • $7,004Loan loss allowance
  • $0Trading account assets
  • $9,570Bank premises and fixed assets
  • $8,569Other real estate owned
  • $0Goodwill and other intangibles
  • $455,035Life insurance assets
  • $8,085All other assets
  • $401,740Total liabilities and capital
  • $377,034Total liabilities
  • $346,635Total deposits
  • $377,034Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 16155.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,800Trading liabilities
  • $0Other borrowed funds
  • $3,751Subordinated debt
  • $53,295All other liabilities
  • $53,295Total equity capital
  • $53,295Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,000Surplus
  • $51,795Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,045Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,369Income earned, not collected on loans
  • $0Earning assets
  • $1,663Long-term assets (5+ years)
  • $408,732Average Assets, year-to-date
  • $68,875Average Assets, quarterly
  • $473,556Volatile liabilities
  • $460,532Insider loans
  • $415,721FHLB advances
  • $465,083Loans and leases held for sale
  • $768Unused loan commitments
  • $768Tier 1 (core) risk-based capital
  • $51,981Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $67,511Restructured Loans and leases
  • $38,592Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,608Total interest income
  • $4,290Total interest expense
  • $17,318Net interest income
  • $1,972Provision for loan and lease losses
  • $905Total noninterest income
  • $0Fiduciary activities
  • $712Service charges on deposit accounts
  • $0Trading account gains & fees
  • $193Additional noninterest income
  • $10,089Total noninterest expense
  • $5,642Salaries and employee benefits
  • $1,224Premises and equipment expense
  • $3,223Additional noninterest expense
  • $6,162Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,897Applicable income taxes
  • $4,265Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,265Net income attributable to bank
  • $0Net charge-offs
  • $4,265Cash dividends
  • $2,059Sale, conversion, retirement of capital stock, net
  • $1,471Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.31%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 8.26%Return on equity (ROE)
  • 5.41%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 95.77%Credit loss provision to net charge-offs
  • 3.95%Efficiency ratio
  • 55,364Assets per employee
  • 5.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.49%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 109.97%Noncurrent assets plus other real estate owned to assets
  • 3.28%Noncurrent loans to loans
  • 1.90%Net loans and leases to deposits
  • 87.14%Net loans and leases to core deposits
  • 93.86%Equity capital to assets
  • 11.71%Core capital (leverage) ratio
  • 11.18%Tier 1 risk-based capital ratio
  • 12.50%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $473,556Average earning assets
  • $51,611Average equity
  • $437,389Average loans

List of branches

  • 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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