First National Bank of St. Louis in Clayton, Missouri (MO), IL
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of St. Louis - Overview

  • General
  • FDIC Certificate #: 4534
    Status: Active
    Federal Reserve ID: 506249
    Bank Holding Company (Regulatory Top Holder): Central Bancompany (RSSDID: 1094314, Location: Jefferson City, MO)
    Date Established: October 30, 1902
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 16 (Domestic: 15, Interstate: Yes)
    OTS Docket #: 11325
    FDIC's unique #: 3000
    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: November 05, 2007
    Last Structure Change Process Date: November 19, 2007
    Last Data Update: November 19, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 7707 Forsyth Boulevard, Clayton, MO 63105
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,327.7 mil
    Equity capital: $167.0 mil
    Deposits held in domestic offices: $993.3 mil
    Return on assets (ROA): 1.28% ($17.0 mil)
    Quarterly return on assets: 0.97% ($12.9 mil)
    Return on Equity (ROE): 10.85% ($18.1 mil)
    Quarterly return on equity: 7.95% ($13.3 mil)
    Net income: $17.9 mil
    Quarterly Net income: $3.3 mil
    Pretax return on assets: 1.97% ($26,154.9 mil)
    Quarterly Pretax return on assets: 1.43% ($18,985.5 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
  • 224Total employees (full-time equivalent)
  • $1,327,659Total assets
  • $34,346Cash and due from depository institutions
  • $16,598Interest-bearing balances
  • $191,632Securities
  • $3,066Federal funds sold & reverse repurchase agreements
  • $1,013,646Net loans & leases
  • $22,413Loan loss allowance
  • $0Trading account assets
  • $19,843Bank premises and fixed assets
  • $11,313Other real estate owned
  • $38,840Goodwill and other intangibles
  • $1,327,659Life insurance assets
  • $14,973All other assets
  • $1,160,676Total liabilities and capital
  • $993,254Total liabilities
  • $761,812Total deposits
  • $993,254Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 153898.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $13,524Subordinated debt
  • $166,983All other liabilities
  • $166,983Total equity capital
  • $166,983Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $65,488Surplus
  • $100,495Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $16,986Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $22,145Income earned, not collected on loans
  • $0Earning assets
  • $4,615Long-term assets (5+ years)
  • $1,224,942Average Assets, year-to-date
  • $180,117Average Assets, quarterly
  • $1,395,842Volatile liabilities
  • $1,368,570Insider loans
  • $1,074,260FHLB advances
  • $1,359,858Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $136,246Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $274,783Restructured Loans and leases
  • $39,888Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $61,714Total interest income
  • $4,340Total interest expense
  • $57,374Net interest income
  • $7,567Provision for loan and lease losses
  • $12,080Total noninterest income
  • $0Fiduciary activities
  • $3,042Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,038Additional noninterest income
  • $34,410Total noninterest expense
  • $18,221Salaries and employee benefits
  • $3,392Premises and equipment expense
  • $12,797Additional noninterest expense
  • $27,477Pre-tax net operating income
  • $14Securities gains (losses)
  • $9,604Applicable income taxes
  • $17,887Income before extraordinary items
  • $0Extraordinary gains - net
  • $17,887Net income attributable to bank
  • $0Net charge-offs
  • $17,887Cash dividends
  • $12,151Sale, conversion, retirement of capital stock, net
  • $17,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 0.33%Cost of funding earning assets
  • 4.42%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.97%Pretax return on assets
  • 10.85%Return on equity (ROE)
  • 0.54%Retained earnings to average equity (YTD only)
  • 1.13%Net charge-offs to loans
  • 62.27%Credit loss provision to net charge-offs
  • 2.88%Efficiency ratio
  • 49,102Assets per employee
  • 5.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 95.04%Loss allowance to loans
  • 2.16%Loss allowance to noncurrent loans
  • 101.21%Noncurrent assets plus other real estate owned to assets
  • 2.52%Noncurrent loans to loans
  • 2.14%Net loans and leases to deposits
  • 102.05%Net loans and leases to core deposits
  • 107.63%Equity capital to assets
  • 12.58%Core capital (leverage) ratio
  • 10.02%Tier 1 risk-based capital ratio
  • 12.68%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,395,842Average earning assets
  • $164,796Average equity
  • $1,297,405Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    956261O'fallon Il Branch350 Hartman Lane, O Fallon, IL 62269January 16, 1996Full Service Brick and Mortar
    132477Millstadt Branch3 East Washington Street, Millstadt, IL 62260November 03, 1906Full Service Brick and Mortar
    14492721Columbia Branch285 Southwoods Ctr, Columbia, IL 62236November 01, 2008Full Service Brick and Mortar
  • 13 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03000First National Bank Of St. Louis7707 Forsyth Boulevard, Clayton, MO 63105October 30, 1902Full Service Brick and Mortar
    1203798Chesterfield Branch1700 Clarkson Road, Chesterfield, MO 63017June 17, 1985Full Service Brick and Mortar
    2203799Ladue BranchClayton And Conway Road, Ladue, MO 63124December 27, 1988Full Service Brick and Mortar
    3203800Creve Coeur Branch669 North New Ballas Road, Creve Coeur, MO 63141April 01, 1994Full Service Brick and Mortar
    4203801O'fallon Mo South Branch2996 Highway K, O'fallon, MO 63366August 04, 1997Full Service Brick and Mortar
    513386Des Peres Branch12230 Manchester Road, Des Peres, MO 63131May 16, 1966Full Service Brick and Mortar
    738854Wildwood Branch16415 Village Plaza View Drive, Ballwin, MO 63011December 31, 1987Full Service Brick and Mortar
    8357401South County Branch12224 Tesson Ferry Road, Saint Louis, MO 63128November 15, 1999Full Service Brick and Mortar
    10429936O'fallon Mo North Branch321 S Main, O Fallon, MO 63366April 19, 2004Full Service Brick and Mortar
    11454696New Town Branch3700 New Town Blvd, Saint Charles, MO 63301April 10, 2006Full Service Brick and Mortar
    12461722Weldon Spring Branch800 O Fallon Road, Saint Charles, MO 63304December 20, 2006Full Service Brick and Mortar Branch2116 Nelwood Drive, Columbia, MO 65202January 01, 2009Full Service Cyber
    16529734Ferguson Branch10704 West Florissant Avenue, Saint Louis, MO 63136March 05, 2012Full Service Brick and Mortar

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