Public Service Bank, a federal savings bank in St. Louis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 29, 1998

  • Public Service Bank, a federal savings bank in St. Louis, Missouri (MO)
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Public Service Bank, a federal savings bank - Overview

  • General
  • FDIC Certificate #: 30393
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: South Side National Bank in St. Louis (#14322)
    Federal Reserve ID: 269179
    Date Established: January 01, 1914
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 5272
    FDIC's unique #: 43227
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: March 07, 1949
    Last Structure Change Effective Date: June 29, 1998
    Last Structure Change Process Date: July 09, 1998
    Last Data Update: July 21, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 6025 Chippewa Street, St. Louis, MO 63109
    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)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $71.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 27Total employees (full-time equivalent)
  • $70,173Total assets
  • $4,192Cash and due from depository institutions
  • $4,042Interest-bearing balances
  • $14,823Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $48,223Net loans & leases
  • $95Loan loss allowance
  • $0Trading account assets
  • $919Bank premises and fixed assets
  • $654Other real estate owned
  • $11Goodwill and other intangibles
  • $0Life insurance assets
  • $1,351All other assets
  • $70,173Total liabilities and capital
  • $65,756Total liabilities
  • $56,825Total deposits
  • $56,825Interest-bearing deposits
  • $56,825Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $8,410Other borrowed funds
  • $0Subordinated debt
  • $521All other liabilities
  • $4,417Total equity capital
  • $4,417Total bank equity capital
  • $4,417Perpetual preferred stock
  • $0Common stock
  • $102Surplus
  • $744Undivided profits
  • Memoranda
  • $3,571Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $119Earning assets
  • $0Long-term assets (5+ years)
  • $249Average Assets, year-to-date
  • $67,088Average Assets, quarterly
  • $0Volatile liabilities
  • $70,392Insider loans
  • $70,328FHLB advances
  • $10,567Loans and leases held for sale
  • $39Unused loan commitments
  • $8,410Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,578Total unused commitments
  • $0Restructured Loans and leases
  • $30,401Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $4,951Total interest income
  • $3,233Total interest expense
  • $1,718Net interest income
  • $34Provision for loan and lease losses
  • $163Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $163Additional noninterest income
  • $1,718Total noninterest expense
  • $1,053Salaries and employee benefits
  • $360Premises and equipment expense
  • $305Additional noninterest expense
  • $129Pre-tax net operating income
  • $357Securities gains (losses)
  • $190Applicable income taxes
  • $296Income before extraordinary items
  • $0Extraordinary gains - net
  • $296Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $55Sale, conversion, retirement of capital stock, net
  • $103Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.38%Yield on earning assets
  • 4.82%Cost of funding earning assets
  • 2.56%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.56%Noninterest expense to earning assets
  • 0.10%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 6.86%Return on equity (ROE)
  • 4.47%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 61.82%Credit loss provision to net charge-offs
  • 2.96%Efficiency ratio
  • 91,334Assets per employee
  • 2.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.80%Loss allowance to loans
  • 0.20%Loss allowance to noncurrent loans
  • 79.83%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 84.86%Net loans and leases to core deposits
  • 88.21%Equity capital to assets
  • 6.29%Core capital (leverage) ratio
  • 6.29%Tier 1 risk-based capital ratio
  • 14.53%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $70,392Average earning assets
  • $4,313Average equity
  • $67,116Average loans

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