The Business Bank of Saint Louis in Clayton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Business Bank of Saint Louis - Overview

  • General
  • FDIC Certificate #: 57358
    Status: Active
    Federal Reserve ID: 3076220
    Bank Holding Company (Regulatory Top Holder): Business Bancshares, Inc. (RSSDID: 3189728, Location: Clayton, MO)
    Date Established: May 16, 2002
    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 #: 362429
    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: May 16, 2002
    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: 8000 Maryland Avenue, Clayton, MO 63105
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $514.0 mil
    Equity capital: $58.2 mil
    Deposits held in domestic offices: $429.1 mil
    Return on assets (ROA): 0.65% ($3.3 mil)
    Quarterly return on assets: 0.93% ($4.8 mil)
    Return on Equity (ROE): 6.09% ($3.5 mil)
    Quarterly return on equity: 8.18% ($4.7 mil)
    Net income: $3.4 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 0.96% ($4,934.0 mil)
    Quarterly Pretax return on assets: 1.32% ($6,784.2 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
  • 70Total employees (full-time equivalent)
  • $513,957Total assets
  • $66,975Cash and due from depository institutions
  • $51,767Interest-bearing balances
  • $49,178Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $371,874Net loans & leases
  • $9,305Loan loss allowance
  • $0Trading account assets
  • $722Bank premises and fixed assets
  • $4,183Other real estate owned
  • $0Goodwill and other intangibles
  • $513,957Life insurance assets
  • $21,025All other assets
  • $455,730Total liabilities and capital
  • $429,148Total liabilities
  • $379,173Total deposits
  • $429,148Interest-bearing deposits
  • $62Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,150Trading liabilities
  • $0Other borrowed funds
  • $1,432Subordinated debt
  • $58,227All other liabilities
  • $58,227Total equity capital
  • $58,227Total bank equity capital
  • $0Perpetual preferred stock
  • $5,248Common stock
  • $41,117Surplus
  • $11,862Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,841Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,008Income earned, not collected on loans
  • $692Earning assets
  • $1,415Long-term assets (5+ years)
  • $472,819Average Assets, year-to-date
  • $41,538Average Assets, quarterly
  • $527,079Volatile liabilities
  • $506,426Insider loans
  • $424,402FHLB advances
  • $492,051Loans and leases held for sale
  • $9,676Unused loan commitments
  • $7,629Tier 1 (core) risk-based capital
  • $57,713Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,047Total unused commitments
  • $67,514Restructured Loans and leases
  • $30,912Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,757Total interest income
  • $4,992Total interest expense
  • $18,765Net interest income
  • $4,640Provision for loan and lease losses
  • $3,177Total noninterest income
  • $0Fiduciary activities
  • $918Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,259Additional noninterest income
  • $12,387Total noninterest expense
  • $7,268Salaries and employee benefits
  • $1,060Premises and equipment expense
  • $4,059Additional noninterest expense
  • $4,915Pre-tax net operating income
  • $166Securities gains (losses)
  • $1,643Applicable income taxes
  • $3,438Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,438Net income attributable to bank
  • $0Net charge-offs
  • $3,438Cash dividends
  • $4,570Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 6.09%Return on equity (ROE)
  • 6.09%Retained earnings to average equity (YTD only)
  • 1.15%Net charge-offs to loans
  • 101.53%Credit loss provision to net charge-offs
  • 2.09%Efficiency ratio
  • 56,453Assets per employee
  • 7.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.44%Loss allowance to noncurrent loans
  • 92.98%Noncurrent assets plus other real estate owned to assets
  • 2.76%Noncurrent loans to loans
  • 2.63%Net loans and leases to deposits
  • 86.65%Net loans and leases to core deposits
  • 107.86%Equity capital to assets
  • 11.33%Core capital (leverage) ratio
  • 11.73%Tier 1 risk-based capital ratio
  • 13.60%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $527,079Average earning assets
  • $56,435Average equity
  • $491,010Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0362429The Business Bank Of Saint Louis8000 Maryland Avenue, Clayton, MO 63105May 16, 2002Full Service Brick and Mortar

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