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


St. Johns Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 8898
    Status: Active
    Federal Reserve ID: 173557
    Bank Holding Company (Regulatory Top Holder): Unity Bancshares, L.L.c. (RSSDID: 2630746, Location: Saint John, MO)
    Date Established: January 01, 1926
    WWW: http://www.stjohnsbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 13466
    FDIC's unique #: 5687
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 8924 St. Charles Rock Road, Saint Louis, MO 63114
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $303.8 mil
    Equity capital: $29.1 mil
    Deposits held in domestic offices: $273.6 mil
    Return on assets (ROA): 0.36% ($1.1 mil)
    Quarterly return on assets: 0.32% ($1.0 mil)
    Return on Equity (ROE): 3.81% ($1.1 mil)
    Quarterly return on equity: 3.33% ($1.0 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.48% ($1,458.1 mil)
    Quarterly Pretax return on assets: 0.42% ($1,275.9 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
  • 104Total employees (full-time equivalent)
  • $303,775Total assets
  • $11,463Cash and due from depository institutions
  • $7,344Interest-bearing balances
  • $60,746Securities
  • $1,509Federal funds sold & reverse repurchase agreements
  • $211,303Net loans & leases
  • $4,943Loan loss allowance
  • $0Trading account assets
  • $6,329Bank premises and fixed assets
  • $6,382Other real estate owned
  • $0Goodwill and other intangibles
  • $303,775Life insurance assets
  • $6,043All other assets
  • $274,648Total liabilities and capital
  • $273,615Total liabilities
  • $221,473Total deposits
  • $273,615Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,033Subordinated debt
  • $29,127All other liabilities
  • $29,127Total equity capital
  • $29,127Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $5,745Surplus
  • $22,632Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $143Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,336Income earned, not collected on loans
  • $0Earning assets
  • $1,145Long-term assets (5+ years)
  • $280,902Average Assets, year-to-date
  • $22,940Average Assets, quarterly
  • $304,881Volatile liabilities
  • $305,739Insider loans
  • $238,551FHLB advances
  • $306,312Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $28,700Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32,825Restructured Loans and leases
  • $8,546Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,815Total interest income
  • $2,127Total interest expense
  • $10,688Net interest income
  • $890Provision for loan and lease losses
  • $2,306Total noninterest income
  • $0Fiduciary activities
  • $1,246Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,060Additional noninterest income
  • $10,645Total noninterest expense
  • $5,887Salaries and employee benefits
  • $1,323Premises and equipment expense
  • $3,435Additional noninterest expense
  • $1,459Pre-tax net operating income
  • $0Securities gains (losses)
  • $353Applicable income taxes
  • $1,106Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,106Net income attributable to bank
  • $0Net charge-offs
  • $1,106Cash dividends
  • $4,796Sale, conversion, retirement of capital stock, net
  • $1,014Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 3.77%Noninterest expense to earning assets
  • 0.36%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 3.81%Return on equity (ROE)
  • 0.32%Retained earnings to average equity (YTD only)
  • 2.21%Net charge-offs to loans
  • 18.56%Credit loss provision to net charge-offs
  • 0.49%Efficiency ratio
  • 81,922Assets per employee
  • 2.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.68%Loss allowance to loans
  • 2.29%Loss allowance to noncurrent loans
  • 37.07%Noncurrent assets plus other real estate owned to assets
  • 6.49%Noncurrent loans to loans
  • 6.17%Net loans and leases to deposits
  • 77.23%Net loans and leases to core deposits
  • 78.16%Equity capital to assets
  • 9.59%Core capital (leverage) ratio
  • 9.37%Tier 1 risk-based capital ratio
  • 12.03%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $304,881Average earning assets
  • $29,049Average equity
  • $282,558Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05687St. Johns Bank And Trust Company8924 St. Charles Rock Road, Saint Louis, MO 63114January 01, 1926Full Service Brick and Mortar
    1219137Natural Bridge Facility9229 Natural Bridge Road, Saint Louis, MO 63134December 12, 1974Limited Service Facility
    3219139Bridgeton Branch11965 St. Charles Rock Road, Bridgeton, MO 63044August 29, 1984Full Service Brick and Mortar
    4219140Cave Springs Facility1053 Cave Springs Road, St. Peters, MO 63376September 14, 1992Full Service Brick and Mortar
    5219141O'fallon Branch2897 Highway K, O Fallon, MO 63368July 21, 1998Full Service Brick and Mortar
    6219142Harvester Branch4001 Harvester Road, St. Charles, MO 63304December 02, 1998Full Service Brick and Mortar
    7361009Lake St. Charles Branch45 Honey Locust Lane, Saint Charles, MO 63303April 06, 2001Limited Service Mobile

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