Keystone Bank in Saint Louis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 22, 2006

  • Keystone Bank in Saint Louis, Missouri (MO)
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Keystone Bank - Overview

  • General
  • FDIC Certificate #: 19435
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Columbian Bank and Trust Company (#22728)
    Federal Reserve ID: 940955
    Date Established: June 20, 1923
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 13237
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 13, 1965
    Last Structure Change Effective Date: May 22, 2006
    Last Structure Change Process Date: July 10, 2006
    Last Data Update: July 10, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 7151 Natural Bridge Road, Saint Louis, MO 63121
    County: Saint Louis (City)
    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)
  • Financial Summary
  • Total assets: $127.8 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, 2005)

  • Dollar figures in thousands
  • 68Total employees (full-time equivalent)
  • $115,315Total assets
  • $5,910Cash and due from depository institutions
  • $174Interest-bearing balances
  • $43,743Securities
  • $6,950Federal funds sold & reverse repurchase agreements
  • $54,668Net loans & leases
  • $739Loan loss allowance
  • $0Trading account assets
  • $2,133Bank premises and fixed assets
  • $324Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,587All other assets
  • $115,315Total liabilities and capital
  • $104,640Total liabilities
  • $92,235Total deposits
  • $72,439Interest-bearing deposits
  • $92,235Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,931Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $474All other liabilities
  • $10,675Total equity capital
  • $10,675Total bank equity capital
  • $10,675Perpetual preferred stock
  • $0Common stock
  • $60Surplus
  • $1,140Undivided profits
  • Memoranda
  • $9,475Noncurrent loans and leases
  • $9,157Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $63Earning assets
  • $0Long-term assets (5+ years)
  • $524Average Assets, year-to-date
  • $105,535Average Assets, quarterly
  • $32,543Volatile liabilities
  • $115,295Insider loans
  • $115,783FHLB advances
  • $15,016Loans and leases held for sale
  • $924Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,157Total unused commitments
  • $0Restructured Loans and leases
  • $739Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $5,601Total interest income
  • $1,283Total interest expense
  • $4,318Net interest income
  • -$50Provision for loan and lease losses
  • $1,572Total noninterest income
  • $0Fiduciary activities
  • $1,421Service charges on deposit accounts
  • $0Trading account gains & fees
  • $151Additional noninterest income
  • $5,385Total noninterest expense
  • $2,962Salaries and employee benefits
  • $665Premises and equipment expense
  • $1,758Additional noninterest expense
  • $555Pre-tax net operating income
  • $6Securities gains (losses)
  • $87Applicable income taxes
  • $474Income before extraordinary items
  • $0Extraordinary gains - net
  • $474Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $53Sale, conversion, retirement of capital stock, net
  • $16Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 4.07%Net interest margin
  • 1.48%Noninterest income to earning assets
  • 5.08%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.49%Pretax return on assets
  • 4.40%Return on equity (ROE)
  • 4.25%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • -94.34%Credit loss provision to net charge-offs
  • 9.53%Efficiency ratio
  • 91,426Assets per employee
  • 1.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3.38%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 1173.02%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 59.27%Net loans and leases to core deposits
  • 61.32%Equity capital to assets
  • 9.26%Core capital (leverage) ratio
  • 9.89%Tier 1 risk-based capital ratio
  • 15.83%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $115,295Average earning assets
  • $10,767Average equity
  • $106,072Average loans

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