First State Bank of St. Charles, Missouri in St. Charles, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First State Bank of St. Charles, Missouri in St. Charles, Missouri (MO)
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First State Bank of St. Charles, Missouri - Overview

  • General
  • FDIC Certificate #: 12219
    Status: Active
    Federal Reserve ID: 345756
    Bank Holding Company (Regulatory Top Holder): First State Bancshares, Inc. (RSSDID: 1416550, Location: Saint Charles, MO)
    Date Established: May 10, 1867
    WWW: http://www.fsbfinancial.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 7764
    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 01, 1934
    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: 206 North Fifth Street, St. Charles, MO 63301
    County: St. Charles
    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: $217.7 mil
    Equity capital: $32.3 mil
    Deposits held in domestic offices: $184.5 mil
    Return on assets (ROA): 0.45% ($1.0 mil)
    Quarterly return on assets: 0.96% ($2.1 mil)
    Return on Equity (ROE): 3.00% ($1.0 mil)
    Quarterly return on equity: 6.47% ($2.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.52% ($1,131.9 mil)
    Quarterly Pretax return on assets: 1.38% ($3,003.8 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
  • 105Total employees (full-time equivalent)
  • $217,668Total assets
  • $6,379Cash and due from depository institutions
  • $2,166Interest-bearing balances
  • $54,204Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $135,562Net loans & leases
  • $1,131Loan loss allowance
  • $0Trading account assets
  • $7,834Bank premises and fixed assets
  • $5,316Other real estate owned
  • $0Goodwill and other intangibles
  • $217,668Life insurance assets
  • $8,373All other assets
  • $185,402Total liabilities and capital
  • $184,476Total liabilities
  • $141,163Total deposits
  • $184,476Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $926Subordinated debt
  • $32,266All other liabilities
  • $32,266Total equity capital
  • $32,266Total bank equity capital
  • $0Perpetual preferred stock
  • $1,375Common stock
  • $600Surplus
  • $30,291Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $16,956Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $699Income earned, not collected on loans
  • $0Earning assets
  • $810Long-term assets (5+ years)
  • $191,932Average Assets, year-to-date
  • $49,474Average Assets, quarterly
  • $211,309Volatile liabilities
  • $217,619Insider loans
  • $170,122FHLB advances
  • $216,897Loans and leases held for sale
  • $4,192Unused loan commitments
  • $4,192Tier 1 (core) risk-based capital
  • $31,536Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,867Restructured Loans and leases
  • $5,725Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,844Total interest income
  • $1,262Total interest expense
  • $7,582Net interest income
  • $1,326Provision for loan and lease losses
  • $5,498Total noninterest income
  • $0Fiduciary activities
  • $271Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,227Additional noninterest income
  • $10,893Total noninterest expense
  • $6,655Salaries and employee benefits
  • $757Premises and equipment expense
  • $3,481Additional noninterest expense
  • $861Pre-tax net operating income
  • $247Securities gains (losses)
  • $157Applicable income taxes
  • $951Income before extraordinary items
  • $0Extraordinary gains - net
  • $951Net income attributable to bank
  • $0Net charge-offs
  • $951Cash dividends
  • $1,684Sale, conversion, retirement of capital stock, net
  • $794Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 4.11%Net interest margin
  • 2.98%Noninterest income to earning assets
  • 5.90%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.52%Pretax return on assets
  • 3.00%Return on equity (ROE)
  • 0.50%Retained earnings to average equity (YTD only)
  • 1.24%Net charge-offs to loans
  • 78.74%Credit loss provision to net charge-offs
  • 1.30%Efficiency ratio
  • 83,280Assets per employee
  • 2.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.49%Loss allowance to loans
  • 0.83%Loss allowance to noncurrent loans
  • 161.80%Noncurrent assets plus other real estate owned to assets
  • 2.76%Noncurrent loans to loans
  • 0.51%Net loans and leases to deposits
  • 73.48%Net loans and leases to core deposits
  • 80.46%Equity capital to assets
  • 14.82%Core capital (leverage) ratio
  • 14.54%Tier 1 risk-based capital ratio
  • 18.54%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $211,309Average earning assets
  • $31,669Average equity
  • $184,683Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07764First State Bank Of St. Charles, Missouri206 North Fifth Street, St. Charles, MO 63301May 10, 1867Full Service Brick and Mortar
    2226697Hwy 94 Facility1501 Old Highway 94 South, Saint Charles, MO 63303November 20, 1973Full Service Brick and Mortar
    3226698O'fallon Facility300 Woodlawn Avenue, O'fallon, MO 63366December 14, 1990Full Service Brick and Mortar
    4450883Lake St. Louis Facility3461 Technology Drive, Lake Saint Louis, MO 63367April 24, 2006Full Service Brick and Mortar
    5508321First State Bank Mortgage295 Salt Lick Road, Saint Peters, MO 63376April 09, 2010Limited Service Loan Production

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