TIAA-CREF Trust Company, FSB in Saint Louis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • TIAA-CREF Trust Company, FSB in Saint Louis, Missouri (MO)
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TIAA-CREF Trust Company, FSB - Overview

  • General
  • FDIC Certificate #: 34723
    Status: Active
    Federal Reserve ID: 2716547
    Date Established: July 20, 1998
    WWW: http://www.tiaa-cref.org
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15018
    FDIC's unique #: 61407
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: July 20, 1998
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 211 North Broadway, Suite 1000, Saint Louis, MO 63102
    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 Primary Regulatory Agency
  • Financial Summary
  • Total assets: $495.2 mil
    Equity capital: $57.3 mil
    Deposits held in domestic offices: $434.4 mil
    Return on assets (ROA): 1.36% ($6.7 mil)
    Quarterly return on assets: 1.16% ($5.7 mil)
    Return on Equity (ROE): 9.70% ($5.5 mil)
    Quarterly return on equity: 9.29% ($5.3 mil)
    Net income: $5.2 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 3.47% ($17,184.2 mil)
    Quarterly Pretax return on assets: 2.06% ($10,201.6 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
  • 66Total employees (full-time equivalent)
  • $495,222Total assets
  • $182,291Cash and due from depository institutions
  • $181,992Interest-bearing balances
  • $292,843Securities
  • $5,000Federal funds sold & reverse repurchase agreements
  • $2,174Net loans & leases
  • $22Loan loss allowance
  • $0Trading account assets
  • $0Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $495,222Life insurance assets
  • $12,914All other assets
  • $437,890Total liabilities and capital
  • $434,374Total liabilities
  • $434,374Total deposits
  • $434,374Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,516Subordinated debt
  • $57,332All other liabilities
  • $57,332Total equity capital
  • $57,332Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $84,316Surplus
  • $-29,984Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $898Long-term assets (5+ years)
  • $482,009Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $378,574Volatile liabilities
  • $458,364Insider loans
  • $100,740FHLB advances
  • $495,009Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $57,119Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,257Total interest income
  • $319Total interest expense
  • $6,938Net interest income
  • $22Provision for loan and lease losses
  • $48,442Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $48,442Additional noninterest income
  • $42,209Total noninterest expense
  • $12,465Salaries and employee benefits
  • $1,233Premises and equipment expense
  • $28,511Additional noninterest expense
  • $13,149Pre-tax net operating income
  • $0Securities gains (losses)
  • $7,998Applicable income taxes
  • $5,151Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,151Net income attributable to bank
  • $0Net charge-offs
  • $5,151Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 1.98%Yield on earning assets
  • 0.09%Cost of funding earning assets
  • 1.89%Net interest margin
  • 13.22%Noninterest income to earning assets
  • 11.52%Noninterest expense to earning assets
  • 1.36%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 3.47%Pretax return on assets
  • 9.70%Return on equity (ROE)
  • 9.70%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 76,217Assets per employee
  • 7.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 0.50%Net loans and leases to core deposits
  • 0.62%Equity capital to assets
  • 11.58%Core capital (leverage) ratio
  • 11.54%Tier 1 risk-based capital ratio
  • 56.70%Total risk-based capital ratio
  • Memoranda
  • $57Average assets
  • $378,574Average earning assets
  • $53,126Average equity
  • $366,459Average 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
  • $11,334,351Managed Assets
  • 1Number of Accounts
  • $11,060,951Personal trust and agency accounts
  • $292,222Employee benefit-defined contribution accounts
  • $55,397Employee benefit-defined benefit accounts
  • $144,371Other retirement accounts
  • $4,726,446Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $5,819,433Other fiduciary accounts
  • $23,082Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 6407Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $699,830Employee benefit-defined benefit accounts
  • $273,400Other retirement accounts
  • $0Corporate trust and agency accounts
  • $21,600Other fiduciary accounts
  • $84,617Fiduciary accounts held in foreign offices

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061407Tiaa-Cref Trust Company, Fsb211 North Broadway, Suite 1000, Saint Louis, MO 63102July 20, 1998Full Service Brick and Mortar

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