St. Louis Bank in Town And Country, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • St. Louis Bank in Town And Country, Missouri (MO)
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St. Louis Bank - Overview

  • General
  • FDIC Certificate #: 58018
    Status: Active
    Federal Reserve ID: 3354599
    Bank Holding Company (Regulatory Top Holder): Saint Louis Bancshares, Inc. (RSSDID: 3449075, Location: Town And Country, MO)
    Date Established: June 06, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 433889
    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: June 06, 2005
    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: 14323 S. Outer 40 Rd, Town And Country, 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)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $410.1 mil
    Equity capital: $34.8 mil
    Deposits held in domestic offices: $366.9 mil
    Return on assets (ROA): -0.48% (-$2.0 mil)
    Quarterly return on assets: 0.11% ($0.5 mil)
    Return on Equity (ROE): -6.19% (-$2.2 mil)
    Quarterly return on equity: 1.33% ($0.5 mil)
    Net income: -$2.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.77% (-$3,157.6 mil)
    Quarterly Pretax return on assets: 0.30% ($1,230.2 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
  • 43Total employees (full-time equivalent)
  • $410,076Total assets
  • $43,864Cash and due from depository institutions
  • $36,259Interest-bearing balances
  • $67,472Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $254,782Net loans & leases
  • $9,278Loan loss allowance
  • $0Trading account assets
  • $903Bank premises and fixed assets
  • $31,776Other real estate owned
  • $0Goodwill and other intangibles
  • $410,076Life insurance assets
  • $11,279All other assets
  • $375,257Total liabilities and capital
  • $366,917Total liabilities
  • $327,853Total deposits
  • $366,917Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 7357.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $983Subordinated debt
  • $34,819All other liabilities
  • $34,819Total equity capital
  • $34,819Total bank equity capital
  • $0Perpetual preferred stock
  • $15,150Common stock
  • $36,518Surplus
  • $-16,849Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $601Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $27,670Income earned, not collected on loans
  • $1,619Earning assets
  • $934Long-term assets (5+ years)
  • $358,513Average Assets, year-to-date
  • $48,016Average Assets, quarterly
  • $454,403Volatile liabilities
  • $414,464Insider loans
  • $283,494FHLB advances
  • $400,519Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,344Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,519Restructured Loans and leases
  • $1,048Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,201Total interest income
  • $5,414Total interest expense
  • $11,787Net interest income
  • $6,692Provision for loan and lease losses
  • -$532Total noninterest income
  • $0Fiduciary activities
  • $315Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$847Additional noninterest income
  • $9,193Total noninterest expense
  • $3,955Salaries and employee benefits
  • $1,063Premises and equipment expense
  • $4,175Additional noninterest expense
  • -$4,630Pre-tax net operating income
  • $1,150Securities gains (losses)
  • -$1,293Applicable income taxes
  • -$2,187Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,187Net income attributable to bank
  • $0Net charge-offs
  • -$2,187Cash dividends
  • $10,588Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 2.87%Net interest margin
  • -0.13%Noninterest income to earning assets
  • 2.24%Noninterest expense to earning assets
  • -0.64%Net operating income to assets
  • -0.48%Return on assets (ROA)
  • -0.77%Pretax return on assets
  • -6.19%Return on equity (ROE)
  • -6.19%Retained earnings to average equity (YTD only)
  • 3.53%Net charge-offs to loans
  • 63.20%Credit loss provision to net charge-offs
  • 0.19%Efficiency ratio
  • 81,679Assets per employee
  • 9.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.51%Loss allowance to noncurrent loans
  • 33.53%Noncurrent assets plus other real estate owned to assets
  • 14.50%Noncurrent loans to loans
  • 10.48%Net loans and leases to deposits
  • 69.44%Net loans and leases to core deposits
  • 84.21%Equity capital to assets
  • 8.49%Core capital (leverage) ratio
  • 7.33%Tier 1 risk-based capital ratio
  • 10.35%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $454,403Average earning assets
  • $35,321Average equity
  • $410,050Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0433889St. Louis Bank14323 S. Outer 40 Rd, Town And Country, MO 63017June 06, 2005Full Service Brick and Mortar

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