The Business Bank of Saint Louis in Clayton, Missouri (MO)

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The Business Bank of Saint Louis
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)70
Total assets$513,957
Cash and due from depository institutions$66,975
Interest-bearing balances$51,767
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$371,874
Loan loss allowance $9,305
Trading account assets$0
Bank premises and fixed assets$722
Other real estate owned$4,183
Goodwill and other intangibles$0
All other assets$21,025
Life insurance assets$513,957
Total liabilities and capital$455,730
Total liabilities$429,148
Total deposits$379,173
Interest-bearing deposits$429,148
Deposits held in domestic offices$62
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$25,150
Other borrowed funds $0
Subordinated debt $1,432
All other liabilities $58,227
Total equity capital$58,227
Total bank equity capital$58,227
Perpetual preferred stock$0
Common stock$5,248
Undivided profits $11,862
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,841
Income earned, not collected on loans $10,008
Earning assets $692
Long-term assets (5+ years) $1,415
Average Assets, year-to-date $472,819
Average Assets, quarterly $41,538
Volatile liabilities $527,079
Insider loans $506,426
FHLB advances $424,402
Loans and leases held for sale $492,051
Unused loan commitments $9,676
Tier 1 (core) risk-based capital $7,629
Tier 2 risk-based capital $57,713
Total risk weighted assets $0
Total unused commitments $2,047
Restructured Loans and leases $67,514
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $23,757
Total interest expense $4,992
Net interest income $18,765
Provision for loan and lease losses $4,640
Total noninterest income $3,177
Fiduciary activities $0
Service charges on deposit accounts $918
Trading account gains & fees $0
Additional noninterest income $2,259
Total noninterest expense $12,387
Salaries and employee benefits $7,268
Premises and equipment expense $1,060
Additional noninterest expense $4,059
Pre-tax net operating income $4,915
Securities gains (losses) $166
Applicable income taxes $1,643
Income before extraordinary items $3,438
Extraordinary gains - net $0
Net income attributable to bank $3,438
Net charge-offs $0
Cash dividends $3,438
Sale, conversion, retirement of capital stock, net $4,570
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.84%
Cost of funding earning assets 1.02%
Net interest margin 3.82%
Noninterest income to earning assets 0.65%
Noninterest expense to earning assets 2.52%
Net operating income to assets 0.63%
Return on assets (ROA) 0.65%
Pretax return on assets 0.96%
Return on equity (ROE) 6.09%
Retained earnings to average equity (YTD only) 6.09%
Net charge-offs to loans 1.15%
Credit loss provision to net charge-offs 101.53%
Efficiency ratio2.09%
Assets per employee$56,453
Cash dividends to net income (YTD only)7.34%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.44%
Noncurrent assets plus other real estate owned to assets 92.98%
Noncurrent loans to loans 2.76%
Net loans and leases to deposits2.63%
Net loans and leases to core deposits 86.65%
Equity capital to assets 107.86%
Core capital (leverage) ratio 11.33%
Tier 1 risk-based capital ratio 11.73%
Total risk-based capital ratio 13.60%
Average assets$15
Average earning assets$527,079
Average equity $56,435
Average loans $491,010
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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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