Frontenac Bank in Earth City, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Frontenac Bank - Overview

  • General
  • FDIC Certificate #: 34986
    Status: Active
    Federal Reserve ID: 2724757
    Bank Holding Company (Regulatory Top Holder): Frontenac Bancshares, Inc. (RSSDID: 3157071, Location: Earth City, MO)
    Date Established: January 29, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 73808
    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 29, 1999
    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: 3330 Rider Trail South Drive, Earth City, MO 63045
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $316.7 mil
    Equity capital: $24.9 mil
    Deposits held in domestic offices: $262.1 mil
    Return on assets (ROA): -2.20% (-$7.0 mil)
    Quarterly return on assets: -0.25% (-$0.8 mil)
    Return on Equity (ROE): -26.60% (-$6.7 mil)
    Quarterly return on equity: -3.30% (-$0.8 mil)
    Net income: -$7.8 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.65% (-$2,058.5 mil)
    Quarterly Pretax return on assets: 0.25% ($791.7 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
  • 41Total employees (full-time equivalent)
  • $316,690Total assets
  • $25,660Cash and due from depository institutions
  • $24,872Interest-bearing balances
  • $38,692Securities
  • $557Federal funds sold & reverse repurchase agreements
  • $226,190Net loans & leases
  • $7,904Loan loss allowance
  • $0Trading account assets
  • $6,598Bank premises and fixed assets
  • $14,965Other real estate owned
  • $0Goodwill and other intangibles
  • $316,690Life insurance assets
  • $4,028All other assets
  • $291,804Total liabilities and capital
  • $262,091Total liabilities
  • $251,654Total deposits
  • $262,091Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1378.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $27,000Trading liabilities
  • $0Other borrowed funds
  • $1,335Subordinated debt
  • $24,886All other liabilities
  • $24,886Total equity capital
  • $24,886Total bank equity capital
  • $0Perpetual preferred stock
  • $4,877Common stock
  • $32,017Surplus
  • $-12,008Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $128Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $20,414Income earned, not collected on loans
  • $0Earning assets
  • $891Long-term assets (5+ years)
  • $290,311Average Assets, year-to-date
  • $24,453Average Assets, quarterly
  • $355,256Volatile liabilities
  • $327,836Insider loans
  • $240,227FHLB advances
  • $323,343Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,667Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,856Restructured Loans and leases
  • $12,436Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,109Total interest income
  • $6,313Total interest expense
  • $8,796Net interest income
  • $3,729Provision for loan and lease losses
  • $91Total noninterest income
  • $0Fiduciary activities
  • $74Service charges on deposit accounts
  • $0Trading account gains & fees
  • $17Additional noninterest income
  • $8,277Total noninterest expense
  • $3,405Salaries and employee benefits
  • $926Premises and equipment expense
  • $3,946Additional noninterest expense
  • -$3,119Pre-tax net operating income
  • $814Securities gains (losses)
  • $5,514Applicable income taxes
  • -$7,819Income before extraordinary items
  • $0Extraordinary gains - net
  • -$7,819Net income attributable to bank
  • $0Net charge-offs
  • -$7,819Cash dividends
  • $3,726Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 1.94%Cost of funding earning assets
  • 2.71%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • -2.43%Net operating income to assets
  • -2.20%Return on assets (ROA)
  • -0.65%Pretax return on assets
  • -26.60%Return on equity (ROE)
  • -26.60%Retained earnings to average equity (YTD only)
  • 1.45%Net charge-offs to loans
  • 100.08%Credit loss provision to net charge-offs
  • 0.16%Efficiency ratio
  • 93,136Assets per employee
  • 7.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.38%Loss allowance to noncurrent loans
  • 38.72%Noncurrent assets plus other real estate owned to assets
  • 11.17%Noncurrent loans to loans
  • 8.72%Net loans and leases to deposits
  • 86.30%Net loans and leases to core deposits
  • 93.63%Equity capital to assets
  • 7.86%Core capital (leverage) ratio
  • 7.63%Tier 1 risk-based capital ratio
  • 10.27%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $355,256Average earning assets
  • $29,399Average equity
  • $324,776Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    073808Frontenac Bank3330 Rider Trail South Drive, Earth City, MO 63045January 29, 1999Full Service Brick and Mortar
    1358908South Lindbergh Branch801 South Lindbergh Boulevard, Saint Louis, MO 63131September 01, 2000Full Service Brick and Mortar
    2425705St. Charles Branch1 Westbury Square, Saint Charles, MO 63301Febuary 20, 2004Full Service Brick and Mortar
    3488165Kirkwood Banking Center301 North Kirkwood Road, Kirkwood, MO 63122Febuary 23, 2009Full Service Brick and Mortar

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