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 WWW:http://www.stlouisbank.com 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
Corrections
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
No
ID
Name
Address
Established
Service Type
Map
0
433889
St. Louis Bank
14323 S. Outer 40 Rd, Town And Country, MO 63017
June 06, 2005
Full Service Brick and Mortar
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