FDIC Certificate #: 34118 Status: Inactive Closing history: Corrections Acquiring institution:First National Bank of St. Louis (#4534) Federal Reserve ID: 2390442 Date Established: January 16, 1996 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 56261 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 16, 1996 Last Structure Change Effective Date: March 01, 2001 Last Structure Change Process Date: March 12, 2001 Last Data Update: March 12, 2001 Data Source Date: April 05, 2012
Location
Address: 350 Hartman Lane, O Fallon, IL 62269 County: St. Clair Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central 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
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $30.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
10Total employees (full-time equivalent)
$30,474Total assets
$1,363Cash and due from depository institutions
$0Interest-bearing balances
$6,320Securities
$4,140Federal funds sold & reverse repurchase agreements
$14,882Net loans & leases
$314Loan loss allowance
$0Trading account assets
$1,447Bank premises and fixed assets
$0Other real estate owned
$1,747Goodwill and other intangibles
$0Life insurance assets
$575All other assets
$30,474Total liabilities and capital
$25,655Total liabilities
$25,457Total deposits
$23,536Interest-bearing deposits
$25,457Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$198All other liabilities
$4,819Total equity capital
$4,819Total bank equity capital
$4,819Perpetual preferred stock
$0Common stock
$1,230Surplus
$4,372Undivided profits
Memoranda
$-783Noncurrent loans and leases
$839Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$215Earning assets
$0Long-term assets (5+ years)
$88Average Assets, year-to-date
$25,342Average Assets, quarterly
$795Volatile liabilities
$29,331Insider loans
$30,557FHLB advances
$2,274Loans and leases held for sale
$301Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$839Total unused commitments
$0Restructured Loans and leases
$206Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$2,074Total interest income
$1,252Total interest expense
$822Net interest income
$275Provision for loan and lease losses
$107Total noninterest income
$0Fiduciary activities
$51Service charges on deposit accounts
$0Trading account gains & fees
$56Additional noninterest income
$1,060Total noninterest expense
$395Salaries and employee benefits
$179Premises and equipment expense
$486Additional noninterest expense
-$406Pre-tax net operating income
$0Securities gains (losses)
-$85Applicable income taxes
-$321Income before extraordinary items
$0Extraordinary gains - net
-$321Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$249Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.47%Yield on earning assets
5.12%Cost of funding earning assets
3.36%Net interest margin
0.44%Noninterest income to earning assets
4.33%Noninterest expense to earning assets
-1.09%Net operating income to assets
-1.09%Return on assets (ROA)
-1.38%Pretax return on assets
-6.47%Return on equity (ROE)
-6.47%Retained earnings to average equity (YTD only)
1.61%Net charge-offs to loans
110.44%Credit loss provision to net charge-offs
-0.53%Efficiency ratio
97,632Assets per employee
3.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.07%Loss allowance to noncurrent loans
146.05%Noncurrent assets plus other real estate owned to assets
0.71%Noncurrent loans to loans
1.41%Net loans and leases to deposits
58.46%Net loans and leases to core deposits
64.19%Equity capital to assets
15.81%Core capital (leverage) ratio
10.28%Tier 1 risk-based capital ratio
17.87%Total risk-based capital ratio
Memoranda
$19Average assets
$29,331Average earning assets
$4,962Average equity
$24,476Average loans
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