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

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

  • General
  • FDIC Certificate #: 30284
    Status: Active
    Federal Reserve ID: 11275
    Date Established: January 01, 1922
    WWW: http://www.pulaskibankstl.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 5106
    FDIC's unique #: 43118
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 04, 1947
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 12300 Olive Boulevard, Saint Louis, MO 63141
    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)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,331.7 mil
    Equity capital: $138.3 mil
    Deposits held in domestic offices: $1,129.9 mil
    Return on assets (ROA): 0.58% ($7.7 mil)
    Quarterly return on assets: 0.90% ($12.0 mil)
    Return on Equity (ROE): 5.74% ($7.9 mil)
    Quarterly return on equity: 8.63% ($11.9 mil)
    Net income: $7.9 mil
    Quarterly Net income: $3.0 mil
    Pretax return on assets: 0.81% ($10,786.6 mil)
    Quarterly Pretax return on assets: 1.30% ($17,311.9 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
  • 388Total employees (full-time equivalent)
  • $1,331,681Total assets
  • $40,765Cash and due from depository institutions
  • $24,778Interest-bearing balances
  • $48,707Securities
  • $1,038Federal funds sold & reverse repurchase agreements
  • $1,139,672Net loans & leases
  • $16,770Loan loss allowance
  • $0Trading account assets
  • $17,017Bank premises and fixed assets
  • $15,866Other real estate owned
  • $5,168Goodwill and other intangibles
  • $1,331,681Life insurance assets
  • $63,448All other assets
  • $1,193,402Total liabilities and capital
  • $1,129,862Total liabilities
  • $1,078,845Total deposits
  • $1,129,862Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $52,860Trading liabilities
  • $0Other borrowed funds
  • $10,680Subordinated debt
  • $138,279All other liabilities
  • $138,279Total equity capital
  • $138,279Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $87,519Surplus
  • $50,760Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $45,804Income earned, not collected on loans
  • $858Earning assets
  • $3,971Long-term assets (5+ years)
  • $1,214,195Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,354,958Volatile liabilities
  • $1,319,987Insider loans
  • $1,088,253FHLB advances
  • $1,327,615Loans and leases held for sale
  • $31,104Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $134,213Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $396,751Restructured Loans and leases
  • $13,068Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $58,246Total interest income
  • $11,329Total interest expense
  • $46,917Net interest income
  • $13,500Provision for loan and lease losses
  • $11,761Total noninterest income
  • $0Fiduciary activities
  • $3,438Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,323Additional noninterest income
  • $34,221Total noninterest expense
  • $14,984Salaries and employee benefits
  • $8,558Premises and equipment expense
  • $10,679Additional noninterest expense
  • $10,957Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,101Applicable income taxes
  • $7,856Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,856Net income attributable to bank
  • $0Net charge-offs
  • $7,856Cash dividends
  • $15,638Sale, conversion, retirement of capital stock, net
  • $6,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 5.74%Return on equity (ROE)
  • 1.36%Retained earnings to average equity (YTD only)
  • 1.36%Net charge-offs to loans
  • 86.33%Credit loss provision to net charge-offs
  • 1.56%Efficiency ratio
  • 57,681Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.37%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 36.61%Noncurrent assets plus other real estate owned to assets
  • 4.63%Noncurrent loans to loans
  • 3.96%Net loans and leases to deposits
  • 100.87%Net loans and leases to core deposits
  • 118.90%Equity capital to assets
  • 10.38%Core capital (leverage) ratio
  • 10.11%Tier 1 risk-based capital ratio
  • 12.33%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,354,958Average earning assets
  • $136,763Average equity
  • $1,237,321Average loans

List of branches

  • 13 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043118Pulaski Bank12300 Olive Boulevard, Saint Louis, MO 63141January 01, 1922Full Service Brick and Mortar
    1279730South Grand Branch3760 South Grand, St. Louis, MO 63118January 01, 1922Full Service Brick and Mortar
    3279732Bayless Branch4226 Bayless Ave, Saint Louis, MO 63123January 01, 1922Full Service Brick and Mortar
    103446160St. Charles Branch1928 Zumbehl Road, Saint Charles, MO 63303Febuary 01, 2000Full Service Brick and Mortar
    104446165Florissant Office Branch11550 New Halls Ferry Rd, Florissant, MO 63033October 01, 1998Full Service Brick and Mortar
    105446166O'fallon Office Branch1700 O'fallon Rd., Saint Charles, MO 63304May 28, 2003Full Service Brick and Mortar
    106446167Chesterfield Branch17701 Edison Road, Suite 100, Chesterfield, MO 63005August 29, 2005Full Service Brick and Mortar
    10744809Debaliviere Bank Branch415 De Baliviere Ave, Saint Louis, MO 63112July 05, 1979Full Service Brick and Mortar
    108478316Maryland Plaza Branch#10 Maryland Plaza, Saint Louis, MO 63108March 31, 2006Full Service Brick and Mortar
    109478317Richmond Heights Branch6510 Clayton Road, Saint Louis, MO 63117January 05, 2007Full Service Brick and Mortar
    110478927Clayton Bank Branch175 Carondelet Plz, Clayton, MO 63105October 22, 2007Full Service Brick and Mortar
    111478928Downtown Bank Branch900 Olive Street, Saint Louis, MO 63101August 22, 2007Full Service Brick and Mortar
    112521976Ballwin Branch14464 Clayton Road, Ballwin, MO 63011June 18, 2011Full Service Brick and Mortar

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