Eagle Bank and Trust Company of Missouri in Hillsboro, Missouri (MO)

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Eagle Bank and Trust Company of Missouri routing number info

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Eagle Bank and Trust Company of Missouri
GeneralFDIC Certificate #: 17691
Status: Active
Federal Reserve ID: 846356
Bank Holding Company (Regulatory Top Holder): Jefferson County Bancshares, Incorporated (RSSDID: 2040288, Location: Festus, MO)
Date Established: April 29, 1911
WWW: http://www.eaglebankandtrust.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 17 (Domestic: 13, Interstate: No)
FDIC's unique #: 11653
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: November 21, 1956
Last Structure Change Effective Date: Febuary 17, 2012
Last Structure Change Process Date: Febuary 21, 2012
Last Data Update: Febuary 21, 2012
Data Source Date: April 05, 2012
LocationAddress: 10596 Highway 21, Hillsboro, MO 63050
County: Jefferson
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 ChangesOffice Purchased
Financial SummaryTotal assets: $836.9 mil
Equity capital: $88.9 mil
Deposits held in domestic offices: $681.2 mil
Return on assets (ROA): 0.99% ($8.3 mil)
Quarterly return on assets: 1.08% ($9.0 mil)
Return on Equity (ROE): 9.38% ($8.3 mil)
Quarterly return on equity: 10.18% ($9.1 mil)
Net income: $8.0 mil
Quarterly Net income: $2.3 mil
Pretax return on assets: 1.48% ($12,385.4 mil)
Quarterly Pretax return on assets: 1.57% ($13,138.6 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)184
Total assets$836,854
Cash and due from depository institutions$79,982
Interest-bearing balances$67,491
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$547,442
Loan loss allowance $7,629
Trading account assets$0
Bank premises and fixed assets$16,630
Other real estate owned$7,079
Goodwill and other intangibles$5,602
All other assets$25,054
Life insurance assets$836,854
Total liabilities and capital$747,949
Total liabilities$681,212
Total deposits$568,251
Interest-bearing deposits$681,212
Deposits held in domestic offices$88
% insured (estimated)12135.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$52,500
Other borrowed funds $0
Subordinated debt $2,102
All other liabilities $88,905
Total equity capital$88,905
Total bank equity capital$88,905
Perpetual preferred stock$0
Common stock$1,240
Undivided profits $56,480
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $19,670
Income earned, not collected on loans $16,748
Earning assets $77
Long-term assets (5+ years) $2,863
Average Assets, year-to-date $769,998
Average Assets, quarterly $168,536
Volatile liabilities $814,509
Insider loans $833,053
FHLB advances $623,770
Loans and leases held for sale $825,467
Unused loan commitments $15,379
Tier 1 (core) risk-based capital $11,050
Tier 2 risk-based capital $81,039
Total risk weighted assets $0
Total unused commitments $4,329
Restructured Loans and leases $84,033
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $34,930
Total interest expense $7,793
Net interest income $27,137
Provision for loan and lease losses $1,914
Total noninterest income $6,857
Fiduciary activities $198
Service charges on deposit accounts $2,338
Trading account gains & fees $0
Additional noninterest income $4,321
Total noninterest expense $20,050
Salaries and employee benefits $10,263
Premises and equipment expense $2,488
Additional noninterest expense $7,299
Pre-tax net operating income $12,030
Securities gains (losses) $0
Applicable income taxes $4,005
Income before extraordinary items $8,025
Extraordinary gains - net $0
Net income attributable to bank $8,025
Net charge-offs $0
Cash dividends $8,025
Sale, conversion, retirement of capital stock, net $1,399
Net operating income $3,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.65%
Cost of funding earning assets 1.04%
Net interest margin 3.61%
Noninterest income to earning assets 0.91%
Noninterest expense to earning assets 2.67%
Net operating income to assets 0.99%
Return on assets (ROA) 0.99%
Pretax return on assets 1.48%
Return on equity (ROE) 9.38%
Retained earnings to average equity (YTD only) 5.29%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 136.81%
Efficiency ratio9.97%
Assets per employee$58,981
Cash dividends to net income (YTD only)4.55%
Condition Ratios (%)
Loss allowance to loans 43.61%
Loss allowance to noncurrent loans 1.37%
Noncurrent assets plus other real estate owned to assets 45.55%
Noncurrent loans to loans 2.85%
Net loans and leases to deposits3.02%
Net loans and leases to core deposits 80.36%
Equity capital to assets 85.97%
Core capital (leverage) ratio 10.62%
Tier 1 risk-based capital ratio 9.82%
Total risk-based capital ratio 12.99%
Average assets$14
Average earning assets$814,509
Average equity $85,581
Average loans $751,005
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$60,089
Number of Accounts1
Personal trust and agency accounts$60,089
Employee benefit-defined contribution accounts$60,089
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts26
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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17 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011653Eagle Bank And Trust Company Of Miss10596 Highway 21, Hillsboro, MO 63050April 29, 1911Full Service Brick and Mortar
110890House Springs Branch4675 Gravois Road, House Springs, MO 63051January 01, 1912Full Service Brick and Mortar
2238801Drive-In FacilityOld Highway 30 And Bb, Cedar Hill, MO 63016March 22, 1974Full Service Brick and Mortar
3242513Festus-Crystal City Facility680 South Mill Street, Festus, MO 63028March 01, 1991Full Service Brick and Mortar
4242514121 Jefferson SquareState Road 21, De Soto, MO 63020July 10, 1996Full Service Brick and Mortar
6242516Arnold Branch3944 Vogel Road, Arnold, MO 63010August 02, 1999Full Service Brick and Mortar
742983Perry County Savings Bank Branch14 North Jackson Street, Perryville, MO 63775January 01, 1922Full Service Brick and Mortar
8363077Kirkwood Branch1052 South Kirkwood Road, Kirkwood, MO 63122Febuary 12, 2002Full Service Brick and Mortar
9440425Brentwood Facility2521 Brentwood Boulevard, Brentwood, MO 63144January 24, 2005Full Service Brick and Mortar
10446104St. Louis Branch14231 Manchester Road, Manchester, MO 63011December 08, 2005Full Service Brick and Mortar
11455828St. Louis Branch5721 South Lindbergh Boulevard, Saint Louis, MO 63128October 17, 2006Full Service Brick and Mortar
12462318Chippewa Branch6725 Chippewa, Saint Louis, MO 63109April 03, 2007Full Service Brick and Mortar
13521956Garden Villas Branch7092 S. Outer 364, O Fallon, MO 63368July 21, 2011Full Service Brick and Mortar
14187801Garden Villas South Branch13457 Tesson Ferry Road, Suite 10, Saint Louis, MO 63128October 27, 1998Limited Service Mobile
15359502Garden Villas North Branch4505 Parker Road, Florissant, MO 63033Febuary 07, 2001Limited Service Mobile
16362277Garden Villas Chesterfield14901 North Outer Forty Road, Chesterfield, MO 63017September 18, 2001Limited Service Mobile
17365045Garden Villas West Branch13590 South Outer Forty, Chesterfield, MO 63017January 01, 2002Limited Service Mobile
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