St. Johns Bank and Trust Company in Saint Louis, Missouri (MO)



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St. Johns Bank and Trust Company routing number info

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St. Johns Bank and Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)104
Total assets$303,775
Cash and due from depository institutions$11,463
Interest-bearing balances$7,344
Securities$60,746
Federal funds sold & reverse repurchase agreements$1,509
Net loans & leases$211,303
Loan loss allowance $4,943
Trading account assets$0
Bank premises and fixed assets$6,329
Other real estate owned$6,382
Goodwill and other intangibles$0
All other assets$6,043
Life insurance assets$303,775
Total liabilities and capital$274,648
Total liabilities$273,615
Total deposits$221,473
Interest-bearing deposits$273,615
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,033
All other liabilities $29,127
Total equity capital$29,127
Total bank equity capital$29,127
Perpetual preferred stock$0
Common stock$750
Surplus$5,745
Undivided profits $22,632
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $143
Income earned, not collected on loans $13,336
Earning assets $0
Long-term assets (5+ years) $1,145
Average Assets, year-to-date $280,902
Average Assets, quarterly $22,940
Volatile liabilities $304,881
Insider loans $305,739
FHLB advances $238,551
Loans and leases held for sale $306,312
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $28,700
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $32,825
Derivatives$8,546
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,815
Total interest expense $2,127
Net interest income $10,688
Provision for loan and lease losses $890
Total noninterest income $2,306
Fiduciary activities $0
Service charges on deposit accounts $1,246
Trading account gains & fees $0
Additional noninterest income $1,060
Total noninterest expense $10,645
Salaries and employee benefits $5,887
Premises and equipment expense $1,323
Additional noninterest expense $3,435
Pre-tax net operating income $1,459
Securities gains (losses) $0
Applicable income taxes $353
Income before extraordinary items $1,106
Extraordinary gains - net $0
Net income attributable to bank $1,106
Net charge-offs $0
Cash dividends $1,106
Sale, conversion, retirement of capital stock, net $4,796
Net operating income $1,014
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.54%
Cost of funding earning assets 0.75%
Net interest margin 3.78%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 3.77%
Net operating income to assets 0.36%
Return on assets (ROA) 0.36%
Pretax return on assets 0.48%
Return on equity (ROE) 3.81%
Retained earnings to average equity (YTD only) 0.32%
Net charge-offs to loans 2.21%
Credit loss provision to net charge-offs 18.56%
Efficiency ratio0.49%
Assets per employee$81,922
Cash dividends to net income (YTD only)2.92%
Condition Ratios (%)
Loss allowance to loans 91.68%
Loss allowance to noncurrent loans 2.29%
Noncurrent assets plus other real estate owned to assets 37.07%
Noncurrent loans to loans 6.49%
Net loans and leases to deposits6.17%
Net loans and leases to core deposits 77.23%
Equity capital to assets 78.16%
Core capital (leverage) ratio 9.59%
Tier 1 risk-based capital ratio 9.37%
Total risk-based capital ratio 12.03%
Memoranda
Average assets$13
Average earning assets$304,881
Average equity $29,049
Average loans $282,558
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$2
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$2
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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