FDIC Certificate #: 57311 Status: Active Federal Reserve ID: 3076248 Bank Holding Company (Regulatory Top Holder): Stifel Financial Corp. (RSSDID: 3063622, Location: Saint Louis, MO) Date Established: April 16, 2002 WWW:http://www.stifelbank.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 #: 361248 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: All Other Specialization > 1 Billion Date of Deposit Insurance: April 16, 2002 Last Structure Change Effective Date: March 11, 2010 Last Structure Change Process Date: May 04, 2010 Last Data Update: May 04, 2010 Data Source Date: April 05, 2012
Location
Address: 955 Executive Parkway, Creve Coeur, MO 63141 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
Corrections
Change in Location
Financial Summary
Total assets: $2,304.4 mil Equity capital: $174.0 mil Deposits held in domestic offices: $2,076.5 mil Return on assets (ROA): 1.31% ($30.2 mil) Quarterly return on assets: 1.69% ($38.9 mil) Return on Equity (ROE): 17.40% ($30.3 mil) Quarterly return on equity: 23.71% ($41.3 mil) Net income: $26.2 mil Quarterly Net income: $9.7 mil Pretax return on assets: 2.10% ($48,392.9 mil) Quarterly Pretax return on assets: 2.67% ($61,528.2 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
110Total employees (full-time equivalent)
$2,304,426Total assets
$59,785Cash and due from depository institutions
$57,291Interest-bearing balances
$1,400,315Securities
$975Federal funds sold & reverse repurchase agreements
$773,151Net loans & leases
$5,300Loan loss allowance
$0Trading account assets
$21,175Bank premises and fixed assets
$708Other real estate owned
$15,823Goodwill and other intangibles
$2,304,426Life insurance assets
$32,494All other assets
$2,130,416Total liabilities and capital
$2,076,510Total liabilities
$2,056,046Total deposits
$2,076,510Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$17,675Trading liabilities
$0Other borrowed funds
$36,231Subordinated debt
$174,010All other liabilities
$174,010Total equity capital
$174,010Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$139,449Surplus
$33,561Undivided profits
Memoranda
$0Noncurrent loans and leases
$131,753Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,013Income earned, not collected on loans
$0Earning assets
$9,859Long-term assets (5+ years)
$2,231,732Average Assets, year-to-date
$765,920Average Assets, quarterly
$2,000,306Volatile liabilities
$2,310,809Insider loans
$1,530,490FHLB advances
$2,311,970Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$167,057Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$243,442Restructured Loans and leases
$6,468Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$56,970Total interest income
$16,779Total interest expense
$40,191Net interest income
$2,925Provision for loan and lease losses
$10,926Total noninterest income
$0Fiduciary activities
$1Service charges on deposit accounts
$0Trading account gains & fees
$10,925Additional noninterest income
$13,920Total noninterest expense
$6,109Salaries and employee benefits
$1,190Premises and equipment expense
$6,621Additional noninterest expense
$34,272Pre-tax net operating income
$7,789Securities gains (losses)
$15,889Applicable income taxes
$26,172Income before extraordinary items
$0Extraordinary gains - net
$26,172Net income attributable to bank
$0Net charge-offs
$26,172Cash dividends
-$44Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.92%Yield on earning assets
0.86%Cost of funding earning assets
2.06%Net interest margin
0.56%Noninterest income to earning assets
0.71%Noninterest expense to earning assets
1.06%Net operating income to assets
1.31%Return on assets (ROA)
2.10%Pretax return on assets
17.40%Return on equity (ROE)
17.40%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-6647.73%Credit loss provision to net charge-offs
0.00%Efficiency ratio
27,232Assets per employee
20.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.68%Loss allowance to noncurrent loans
523.20%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.13%Net loans and leases to deposits
37.23%Net loans and leases to core deposits
872.76%Equity capital to assets
7.55%Core capital (leverage) ratio
7.23%Tier 1 risk-based capital ratio
10.92%Total risk-based capital ratio
Memoranda
$11Average assets
$2,000,306Average earning assets
$150,437Average equity
$1,953,472Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
361248
Stifel Bank And Trust
955 Executive Parkway, Creve Coeur, MO 63141
April 16, 2002
Full Service Brick and Mortar
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