Pioneer Bank and Trust Company in Saint Louis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 19, 2006

  • Pioneer Bank and Trust Company in Saint Louis, Missouri (MO)
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Pioneer Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 14764
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank (#6557)
    Federal Reserve ID: 669751
    Date Established: January 01, 1933
    WWW: http://www.pioneerbankstl.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Interstate: No)
    OTS Docket #: 12936
    FDIC's unique #: 9234
    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: September 26, 1934
    Last Structure Change Effective Date: August 19, 2006
    Last Structure Change Process Date: September 27, 2006
    Last Data Update: September 27, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2211 South Big Bend Boulevard, Saint Louis, MO 63117
    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)
  • Financial Summary
  • Total assets: $596.1 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, 2005)

  • Dollar figures in thousands
  • 104Total employees (full-time equivalent)
  • $528,932Total assets
  • $12,003Cash and due from depository institutions
  • $349Interest-bearing balances
  • $128,671Securities
  • $14,790Federal funds sold & reverse repurchase agreements
  • $345,318Net loans & leases
  • $2,305Loan loss allowance
  • $0Trading account assets
  • $12,945Bank premises and fixed assets
  • $0Other real estate owned
  • $362Goodwill and other intangibles
  • $0Life insurance assets
  • $14,843All other assets
  • $528,932Total liabilities and capital
  • $491,380Total liabilities
  • $419,969Total deposits
  • $372,832Interest-bearing deposits
  • $419,969Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $26,726Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $43,339Other borrowed funds
  • $0Subordinated debt
  • $1,346All other liabilities
  • $37,552Total equity capital
  • $37,552Total bank equity capital
  • $37,552Perpetual preferred stock
  • $0Common stock
  • $4,535Surplus
  • $22,793Undivided profits
  • Memoranda
  • $10,224Noncurrent loans and leases
  • $65,527Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $2,460Average Assets, year-to-date
  • $489,128Average Assets, quarterly
  • $168,384Volatile liabilities
  • $489,190Insider loans
  • $516,967FHLB advances
  • $89,916Loans and leases held for sale
  • $7,234Unused loan commitments
  • $42,930Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,214Total risk weighted assets
  • $65,527Total unused commitments
  • $0Restructured Loans and leases
  • $2,305Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $24,015Total interest income
  • $10,247Total interest expense
  • $13,768Net interest income
  • $360Provision for loan and lease losses
  • $1,929Total noninterest income
  • $0Fiduciary activities
  • $895Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,034Additional noninterest income
  • $10,222Total noninterest expense
  • $5,522Salaries and employee benefits
  • $2,215Premises and equipment expense
  • $2,485Additional noninterest expense
  • $5,115Pre-tax net operating income
  • $16Securities gains (losses)
  • $1,367Applicable income taxes
  • $3,764Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,764Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$12Sale, conversion, retirement of capital stock, net
  • $1,131Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 2.26%Cost of funding earning assets
  • 3.03%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.25%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 10.63%Return on equity (ROE)
  • 7.43%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -3000.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,121Assets per employee
  • 5.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.05%Loss allowance to loans
  • 0.66%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 82.22%Net loans and leases to core deposits
  • 94.66%Equity capital to assets
  • 7.10%Core capital (leverage) ratio
  • 7.67%Tier 1 risk-based capital ratio
  • 9.76%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $489,190Average earning assets
  • $35,414Average equity
  • $453,674Average loans

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