First National Bank of St. Louis in city_name, state_name - Detailed Financial Reports, Location

First National Bank of St. Louis in Clayton, Missouri (MO), IL
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First National Bank of St. Louis routing number info

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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
WWW: http://www.fnbstl.com
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

No	ID	Name	Address	Established	Service Type
9	56261	O'fallon Il Branch	350 Hartman Lane, O Fallon, IL 62269	January 16, 1996	Full Service Brick and Mortar
13	2477	Millstadt Branch	3 East Washington Street, Millstadt, IL 62260	November 03, 1906	Full Service Brick and Mortar
14	492721	Columbia Branch	285 Southwoods Ctr, Columbia, IL 62236	November 01, 2008	Full Service Brick and Mortar

13 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3000	First National Bank Of St. Louis	7707 Forsyth Boulevard, Clayton, MO 63105	October 30, 1902	Full Service Brick and Mortar
1	203798	Chesterfield Branch	1700 Clarkson Road, Chesterfield, MO 63017	June 17, 1985	Full Service Brick and Mortar
2	203799	Ladue Branch	Clayton And Conway Road, Ladue, MO 63124	December 27, 1988	Full Service Brick and Mortar
3	203800	Creve Coeur Branch	669 North New Ballas Road, Creve Coeur, MO 63141	April 01, 1994	Full Service Brick and Mortar
4	203801	O'fallon Mo South Branch	2996 Highway K, O'fallon, MO 63366	August 04, 1997	Full Service Brick and Mortar
5	13386	Des Peres Branch	12230 Manchester Road, Des Peres, MO 63131	May 16, 1966	Full Service Brick and Mortar
7	38854	Wildwood Branch	16415 Village Plaza View Drive, Ballwin, MO 63011	December 31, 1987	Full Service Brick and Mortar
8	357401	South County Branch	12224 Tesson Ferry Road, Saint Louis, MO 63128	November 15, 1999	Full Service Brick and Mortar
10	429936	O'fallon Mo North Branch	321 S Main, O Fallon, MO 63366	April 19, 2004	Full Service Brick and Mortar
11	454696	New Town Branch	3700 New Town Blvd, Saint Charles, MO 63301	April 10, 2006	Full Service Brick and Mortar
12	461722	Weldon Spring Branch	800 O Fallon Road, Saint Charles, MO 63304	December 20, 2006	Full Service Brick and Mortar
15	510562	Www.Fnbstl.com Branch	2116 Nelwood Drive, Columbia, MO 65202	January 01, 2009	Full Service Cyber
16	529734	Ferguson Branch	10704 West Florissant Avenue, Saint Louis, MO 63136	March 05, 2012	Full Service Brick and Mortar

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

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

First National Bank of St. Louis - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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