Concord Bank in St. Louis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Concord Bank - Overview

  • General
  • FDIC Certificate #: 34119
    Status: Active
    Federal Reserve ID: 2392950
    Bank Holding Company (Regulatory Top Holder): Concord Bancshares, Inc. (RSSDID: 2881959, Location: Saint Louis, MO)
    Date Established: January 22, 1996
    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 #: 56262
    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 22, 1996
    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: 12040 Tesson Ferry Road, St. Louis, MO 63128
    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: $156.6 mil
    Equity capital: $13.4 mil
    Deposits held in domestic offices: $141.7 mil
    Return on assets (ROA): 0.43% ($0.7 mil)
    Quarterly return on assets: 0.33% ($0.5 mil)
    Return on Equity (ROE): 4.98% ($0.6 mil)
    Quarterly return on equity: 3.92% ($0.5 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.62% ($970.6 mil)
    Quarterly Pretax return on assets: 0.48% ($751.4 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
  • 19Total employees (full-time equivalent)
  • $156,550Total assets
  • $16,089Cash and due from depository institutions
  • $13,601Interest-bearing balances
  • $7,786Securities
  • $526Federal funds sold & reverse repurchase agreements
  • $118,245Net loans & leases
  • $3,470Loan loss allowance
  • $0Trading account assets
  • $985Bank premises and fixed assets
  • $3,107Other real estate owned
  • $0Goodwill and other intangibles
  • $156,550Life insurance assets
  • $9,812All other assets
  • $143,129Total liabilities and capital
  • $141,686Total liabilities
  • $129,655Total deposits
  • $141,686Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $443Subordinated debt
  • $13,421All other liabilities
  • $13,421Total equity capital
  • $13,421Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $4,300Surplus
  • $6,621Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,134Income earned, not collected on loans
  • $0Earning assets
  • $460Long-term assets (5+ years)
  • $140,158Average Assets, year-to-date
  • $4,905Average Assets, quarterly
  • $152,020Volatile liabilities
  • $158,059Insider loans
  • $133,176FHLB advances
  • $153,575Loans and leases held for sale
  • $3,924Unused loan commitments
  • $3,924Tier 1 (core) risk-based capital
  • $11,502Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,271Restructured Loans and leases
  • $5,161Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,698Total interest income
  • $2,110Total interest expense
  • $4,588Net interest income
  • $180Provision for loan and lease losses
  • $410Total noninterest income
  • $0Fiduciary activities
  • $107Service charges on deposit accounts
  • $0Trading account gains & fees
  • $303Additional noninterest income
  • $3,869Total noninterest expense
  • $1,229Salaries and employee benefits
  • $535Premises and equipment expense
  • $2,105Additional noninterest expense
  • $949Pre-tax net operating income
  • $0Securities gains (losses)
  • $299Applicable income taxes
  • $650Income before extraordinary items
  • $0Extraordinary gains - net
  • $650Net income attributable to bank
  • $0Net charge-offs
  • $650Cash dividends
  • $395Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 4.98%Return on equity (ROE)
  • 4.98%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 45.57%Credit loss provision to net charge-offs
  • 2.86%Efficiency ratio
  • 77,411Assets per employee
  • 8.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.85%Loss allowance to noncurrent loans
  • 306.00%Noncurrent assets plus other real estate owned to assets
  • 2.71%Noncurrent loans to loans
  • 0.93%Net loans and leases to deposits
  • 83.46%Net loans and leases to core deposits
  • 85.04%Equity capital to assets
  • 8.57%Core capital (leverage) ratio
  • 7.49%Tier 1 risk-based capital ratio
  • 8.64%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $152,020Average earning assets
  • $13,062Average equity
  • $135,296Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056262Concord Bank12040 Tesson Ferry Road, St. Louis, MO 63128January 22, 1996Full Service Brick and Mortar

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