Jefferson Bank and Trust Company in Eureka, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Jefferson Bank and Trust Company in Eureka, Missouri (MO)
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Jefferson Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 1071
    Status: Active
    Federal Reserve ID: 598954
    Bank Holding Company (Regulatory Top Holder): Delta Bancshares Company (RSSDID: 1094613, Location: Saint Louis, MO)
    Date Established: January 01, 1892
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 14160
    FDIC's unique #: 720
    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: 100 Legends Parkway, Eureka, MO 63025
    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: $555.6 mil
    Equity capital: $63.1 mil
    Deposits held in domestic offices: $395.8 mil
    Return on assets (ROA): 0.04% ($0.2 mil)
    Quarterly return on assets: -0.05% (-$0.3 mil)
    Return on Equity (ROE): 0.37% ($0.2 mil)
    Quarterly return on equity: -0.42% (-$0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.03% ($166.7 mil)
    Quarterly Pretax return on assets: -0.10% (-$555.6 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
  • 91Total employees (full-time equivalent)
  • $555,586Total assets
  • $58,877Cash and due from depository institutions
  • $49,284Interest-bearing balances
  • $52,406Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $400,432Net loans & leases
  • $13,869Loan loss allowance
  • $0Trading account assets
  • $6,657Bank premises and fixed assets
  • $20,626Other real estate owned
  • $0Goodwill and other intangibles
  • $555,586Life insurance assets
  • $15,588All other assets
  • $492,448Total liabilities and capital
  • $395,813Total liabilities
  • $337,464Total deposits
  • $395,813Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 24061.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $71,000Trading liabilities
  • $0Other borrowed funds
  • $1,574Subordinated debt
  • $63,138All other liabilities
  • $63,138Total equity capital
  • $63,138Total bank equity capital
  • $0Perpetual preferred stock
  • $1,416Common stock
  • $12,775Surplus
  • $48,947Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,046Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24,539Income earned, not collected on loans
  • $0Earning assets
  • $1,912Long-term assets (5+ years)
  • $503,122Average Assets, year-to-date
  • $4,110Average Assets, quarterly
  • $620,177Volatile liabilities
  • $563,317Insider loans
  • $446,541FHLB advances
  • $570,162Loans and leases held for sale
  • $47Unused loan commitments
  • $47Tier 1 (core) risk-based capital
  • $57,169Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $85,774Restructured Loans and leases
  • $7,700Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,422Total interest income
  • $8,971Total interest expense
  • $16,451Net interest income
  • $4,735Provision for loan and lease losses
  • -$99Total noninterest income
  • $0Fiduciary activities
  • $579Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$678Additional noninterest income
  • $11,473Total noninterest expense
  • $5,285Salaries and employee benefits
  • $1,396Premises and equipment expense
  • $4,792Additional noninterest expense
  • $144Pre-tax net operating income
  • $68Securities gains (losses)
  • -$17Applicable income taxes
  • $229Income before extraordinary items
  • $0Extraordinary gains - net
  • $229Net income attributable to bank
  • $0Net charge-offs
  • $229Cash dividends
  • $3,431Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 1.59%Cost of funding earning assets
  • 2.91%Net interest margin
  • -0.02%Noninterest income to earning assets
  • 2.03%Noninterest expense to earning assets
  • 0.03%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • 0.03%Pretax return on assets
  • 0.37%Return on equity (ROE)
  • 0.37%Retained earnings to average equity (YTD only)
  • 0.75%Net charge-offs to loans
  • 138.01%Credit loss provision to net charge-offs
  • 1.42%Efficiency ratio
  • 70,163Assets per employee
  • 6.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.35%Loss allowance to noncurrent loans
  • 56.52%Noncurrent assets plus other real estate owned to assets
  • 8.13%Noncurrent loans to loans
  • 5.92%Net loans and leases to deposits
  • 101.17%Net loans and leases to core deposits
  • 105.82%Equity capital to assets
  • 11.36%Core capital (leverage) ratio
  • 10.03%Tier 1 risk-based capital ratio
  • 12.80%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $620,177Average earning assets
  • $62,613Average equity
  • $564,891Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $9,586Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 4Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $9,586Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0720Jefferson Bank And Trust Company100 Legends Parkway, Eureka, MO 63025January 01, 1892Full Service Brick and Mortar
    28985Market Street Branch2301 Market Street, St. Louis, MO 63103August 30, 1912Full Service Brick and Mortar
    4187836Creve Coeur Facility12501 Olive Boulevard, Creve Coeur, MO 63141August 13, 1990Full Service Brick and Mortar
    5187837Concord Village Branch5475 Southfield Center, St. Louis, MO 63123December 29, 1997Full Service Brick and Mortar
    6431559Ofallon Branch4190 Highway K, O Fallon, MO 63368August 30, 2004Full Service Brick and Mortar

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