Lindell Bank & Trust Company in St. Louis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Lindell Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 1073
    Status: Active
    Federal Reserve ID: 185859
    Bank Holding Company (Regulatory Top Holder): First Illinois Bancorp, Inc. (RSSDID: 1095889, Location: East Saint Louis, IL)
    Date Established: January 01, 1923
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 10 (Domestic: 10, Interstate: No)
    FDIC's unique #: 722
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 11, 2009
    Last Structure Change Process Date: January 07, 2010
    Last Data Update: January 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 6900 Clayton Avenue, St. Louis, MO 63139
    County: Saint Louis (City)
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Chicago
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $506.6 mil
    Equity capital: $69.7 mil
    Deposits held in domestic offices: $373.2 mil
    Return on assets (ROA): 0.66% ($3.3 mil)
    Quarterly return on assets: -2.52% (-$12.8 mil)
    Return on Equity (ROE): 4.75% ($3.3 mil)
    Quarterly return on equity: -17.94% (-$12.6 mil)
    Net income: $3.3 mil
    Quarterly Net income: -$3.2 mil
    Pretax return on assets: 0.66% ($3,343.8 mil)
    Quarterly Pretax return on assets: -2.52% (-$12,767.1 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
  • 112Total employees (full-time equivalent)
  • $506,629Total assets
  • $10,017Cash and due from depository institutions
  • $0Interest-bearing balances
  • $252,152Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $202,218Net loans & leases
  • $13,334Loan loss allowance
  • $0Trading account assets
  • $18,745Bank premises and fixed assets
  • $307Other real estate owned
  • $16,588Goodwill and other intangibles
  • $506,629Life insurance assets
  • $6,602All other assets
  • $436,908Total liabilities and capital
  • $373,233Total liabilities
  • $296,911Total deposits
  • $373,233Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 5181.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $58,000Trading liabilities
  • $0Other borrowed funds
  • $494Subordinated debt
  • $69,721All other liabilities
  • $69,721Total equity capital
  • $69,721Total bank equity capital
  • $0Perpetual preferred stock
  • $1,286Common stock
  • $18,560Surplus
  • $49,875Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,372Income earned, not collected on loans
  • $0Earning assets
  • $1,752Long-term assets (5+ years)
  • $454,370Average Assets, year-to-date
  • $261,304Average Assets, quarterly
  • $502,363Volatile liabilities
  • $507,735Insider loans
  • $203,305FHLB advances
  • $487,079Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $50,420Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $49,067Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,792Total interest income
  • $2,303Total interest expense
  • $20,489Net interest income
  • $9,100Provision for loan and lease losses
  • $2,402Total noninterest income
  • $47Fiduciary activities
  • $1,372Service charges on deposit accounts
  • $0Trading account gains & fees
  • $983Additional noninterest income
  • $10,500Total noninterest expense
  • $5,502Salaries and employee benefits
  • $1,530Premises and equipment expense
  • $3,468Additional noninterest expense
  • $3,291Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,291Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,291Net income attributable to bank
  • $0Net charge-offs
  • $3,291Cash dividends
  • $7,822Sale, conversion, retirement of capital stock, net
  • $1,350Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 4.54%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 4.75%Return on equity (ROE)
  • 2.80%Retained earnings to average equity (YTD only)
  • 3.54%Net charge-offs to loans
  • 116.34%Credit loss provision to net charge-offs
  • 1.58%Efficiency ratio
  • 43,524Assets per employee
  • 4.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.02%Loss allowance to loans
  • 6.19%Loss allowance to noncurrent loans
  • 395.43%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 1.56%Net loans and leases to deposits
  • 54.18%Net loans and leases to core deposits
  • 55.74%Equity capital to assets
  • 13.76%Core capital (leverage) ratio
  • 10.35%Tier 1 risk-based capital ratio
  • 24.80%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $502,363Average earning assets
  • $69,255Average equity
  • $451,449Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $15,087Managed Assets
  • 1Number of Accounts
  • $5,204Personal trust and agency accounts
  • $5,204Employee 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
  • 22Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $9,883Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $9,798Fiduciary accounts held in foreign offices

List of branches

  • 10 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0722Lindell Bank & Trust Company6900 Clayton Avenue, St. Louis, MO 63139January 01, 1923Full Service Brick and Mortar
    1187840North Grand Facility2745 N Grand Blvd, Saint Louis, MO 63106April 01, 1974Full Service Brick and Mortar
    2187841Hampton Branch3921 Hampton Avenue, St. Louis, MO 63109Febuary 10, 1994Full Service Brick and Mortar
    3400985500 Mexico Road Branch5500 Mexico Road, St. Peters, MO 63376March 30, 1989Full Service Brick and Mortar
    4262129St. Charles Branch3201 North Highway 94, St. Charles, MO 63301January 04, 1993Full Service Brick and Mortar
    5480418Clarkson Branch3060 Clarkson Rd, Chesterfield, MO 63017October 12, 2007Full Service Brick and Mortar
    656974Chesterfield Branch # 9115500 Olive Boulevard, Chesterfield, MO 63017August 05, 1996Full Service Brick and Mortar
    7290476Glendale Branch # 9210018 Manchester Road, Glendale, MO 63122June 21, 1999Full Service Brick and Mortar
    8360850Chesterfield Valley Branch # 93169 Long Road, Chesterfield, MO 63005July 13, 2001Full Service Brick and Mortar
    9441997O'fallon Branch # 944521 State Hwy K, O Fallon, MO 63368August 30, 2004Full Service Brick and Mortar

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