First Bank, Federal Savings Bank in city_name, state_name - Detailed Financial Reports, Location

First Bank, Federal Savings Bank in Clayton, Missouri (MO)
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First Bank, Federal Savings Bank - Overview

General
FDIC Certificate #: 32600
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Bank, A Federal Savings Bank (#31790)
Federal Reserve ID: 455178
Date Established: July 28, 1988
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 8515
FDIC's unique #: 45434
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: July 28, 1988
Last Structure Change Effective Date: December 13, 1996
Last Structure Change Process Date: January 10, 1997
Last Data Update: October 18, 1997
Data Source Date: April 05, 2012
Location
Address: 135 North Meramec, Clayton, MO 63105
County: Saint Louis (City)
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)
Financial Summary
Total assets: $1,002.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$356Total assets
$1,048,024Cash and due from depository institutions
$11,253Interest-bearing balances
$3,864Securities
$108,554Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$846,856Loan loss allowance
$8,915Trading account assets
$0Bank premises and fixed assets
$18,519Other real estate owned
$3,349Goodwill and other intangibles
$36,290Life insurance assets
$23,203All other assets
$0Total liabilities and capital
$1,048,024Total liabilities
$955,178Total deposits
$911,471Interest-bearing deposits
$872,729Deposits held in domestic offices
911471.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$1,013Trading liabilities
$0Other borrowed funds
$45,550Subordinated debt
$0All other liabilities
$-2,856Total equity capital
$-2,856Total bank equity capital
$92,846Perpetual preferred stock
$0Common stock
$2Surplus
$91,841Undivided profits
Memoranda
$1,003Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$9,103Income earned, not collected on loans
$5,080Earning assets
$959,274Long-term assets (5+ years)
$0Average Assets, year-to-date
$1,030,927Average Assets, quarterly
$1,078,964Volatile liabilities
$128,680Insider loans
$2FHLB advances
$40,000Loans and leases held for sale
$0Unused loan commitments
$112,556Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$69,040Total risk weighted assets
$639,142Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$88,116Total interest expense
$54,023Net interest income
$34,093Provision for loan and lease losses
$256Total noninterest income
$7,721Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$7,721Total noninterest expense
$32,445Salaries and employee benefits
$10,418Premises and equipment expense
$8,487Additional noninterest expense
$13,540Pre-tax net operating income
$9,113Securities gains (losses)
$3,606Applicable income taxes
$3,781Income before extraordinary items
$8,938Extraordinary gains - net
$0Net income attributable to bank
$8,938Net charge-offs
-$619Cash dividends
$34,959Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.37%Cost of funding earning assets
5.75%Net interest margin
3.63%Noninterest income to earning assets
0.82%Noninterest expense to earning assets
3.45%Net operating income to assets
0.62%Return on assets (ROA)
0.87%Pretax return on assets
1.23%Return on equity (ROE)
11.11%Retained earnings to average equity (YTD only)
-32.34%Net charge-offs to loans
-0.08%Credit loss provision to net charge-offs
-41.36%Efficiency ratio
75,269Assets per employee
2.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
391.13%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
97.93%Noncurrent assets plus other real estate owned to assets
1.19%Noncurrent loans to loans
1.06%Net loans and leases to deposits
92.91%Net loans and leases to core deposits
102.11%Equity capital to assets
8.86%Core capital (leverage) ratio
6.74%Tier 1 risk-based capital ratio
10.80%Total risk-based capital ratio
Memoranda
$12Average assets
$1,030,927Average earning assets
$80,459Average equity
$939,956Average loans

First Bank, Federal Savings Bank in Clayton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank, Federal Savings Bank - Overview

Assets and Liabilities (December 31, 1995)

Income and Expense (December 31, 1995)

Performance and Condition Ratios (December 31, 1995)

Comment about this bank, ask questions, or add new information about it:

First Bank, Federal Savings Bank in Clayton, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank, Federal Savings Bank - Overview

Assets and Liabilities (December 31, 1995)

Income and Expense (December 31, 1995)

Performance and Condition Ratios (December 31, 1995)

Comment about this bank, ask questions, or add new information about it:

First Bank, Federal Savings Bank in Clayton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches