Roosevelt Bank in Chesterfield, Missouri (MO)



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Roosevelt Bank
GeneralFDIC Certificate #: 28389
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Roosevelt Bank (#31746)
Federal Reserve ID: 340470
Date Established: January 01, 1924
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 1484
FDIC's unique #: 41223
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: March 29, 1935
Last Structure Change Effective Date: October 20, 1995
Last Structure Change Process Date: January 31, 1996
Last Data Update: November 15, 1997
Data Source Date: April 05, 2012
LocationAddress: 900 Roosevelt Parkway, Chesterfield, MO 63017
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 SummaryTotal assets: $9,173.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)
(Dollar figures in thousands)
Total employees (full-time equivalent)0
Total assets$1,166
Cash and due from depository institutions$8,406,769
Interest-bearing balances$22,053
Securities$3,658
Federal funds sold & reverse repurchase agreements$4,855,504
Net loans & leases$0
Loan loss allowance $3,078,229
Trading account assets$16,204
Bank premises and fixed assets$0
Other real estate owned$53,374
Goodwill and other intangibles$12,744
All other assets$47,296
Life insurance assets$337,569
Total liabilities and capital$0
Total liabilities$8,406,770
Total deposits$7,946,324
Interest-bearing deposits$4,946,709
Deposits held in domestic offices$4,893,401
% insured (estimated)4946709.00%
Federal funds purchased & repurchase agreements $98
Trading liabilities$1,208,127
Other borrowed funds $0
Subordinated debt $1,727,443
All other liabilities $0
Total equity capital$64,045
Total bank equity capital$64,045
Perpetual preferred stock$460,446
Common stock$0
Surplus$56
Undivided profits $280,998
Memoranda
Noncurrent loans and leases $179,392
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $12,641
Earning assets $18,409
Long-term assets (5+ years) $7,937,391
Average Assets, year-to-date $0
Average Assets, quarterly $8,100,997
Volatile liabilities $8,430,871
Insider loans $3,177,574
FHLB advances $600
Loans and leases held for sale $1,707,938
Unused loan commitments $0
Tier 1 (core) risk-based capital $130,916
Tier 2 risk-based capital $0
Total risk weighted assets $446,061
Total unused commitments $3,228,964
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 1994)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $523,182
Net interest income $333,374
Provision for loan and lease losses $189,808
Total noninterest income $12,726
Fiduciary activities $16,706
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income -$18,030
Total noninterest expense $34,736
Salaries and employee benefits $136,486
Premises and equipment expense $41,736
Additional noninterest expense $22,618
Pre-tax net operating income $72,132
Securities gains (losses) $57,302
Applicable income taxes -$787
Income before extraordinary items $16,809
Extraordinary gains - net $39,706
Net income attributable to bank -$11,634
Net charge-offs $28,072
Cash dividends $5,863
Sale, conversion, retirement of capital stock, net $43,650
Net operating income $67,267
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Performance and Condition Ratios (December 31, 1994)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 6.85%
Net interest margin 4.37%
Noninterest income to earning assets 2.49%
Noninterest expense to earning assets 0.22%
Net operating income to assets 1.79%
Return on assets (ROA) 0.50%
Pretax return on assets 0.35%
Return on equity (ROE) 0.55%
Retained earnings to average equity (YTD only) 6.46%
Net charge-offs to loans -3.58%
Credit loss provision to net charge-offs 0.20%
Efficiency ratio217.06%
Assets per employee$65,261
Cash dividends to net income (YTD only)7.21%
Condition Ratios (%)
Loss allowance to loans 155.49%
Loss allowance to noncurrent loans 0.52%
Noncurrent assets plus other real estate owned to assets 128.19%
Noncurrent loans to loans 0.30%
Net loans and leases to deposits0.41%
Net loans and leases to core deposits 62.23%
Equity capital to assets 65.43%
Core capital (leverage) ratio 5.48%
Tier 1 risk-based capital ratio 5.32%
Total risk-based capital ratio 13.81%
Memoranda
Average assets$14
Average earning assets$8,100,997
Average equity $434,685
Average loans $7,635,098
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