Triad Bank in Frontenac, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Triad Bank in Frontenac, Missouri (MO)
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Triad Bank - Overview

  • General
  • FDIC Certificate #: 58121
    Status: Active
    Federal Reserve ID: 3374382
    Bank Holding Company (Regulatory Top Holder): Triad Bancorp, Inc. (RSSDID: 3722376, Location: Frontenac, MO)
    Date Established: October 24, 2005
    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 #: 440110
    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: October 24, 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: 10375 Clayton Road, Frontenac, MO 63131
    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: $197.7 mil
    Equity capital: $20.3 mil
    Deposits held in domestic offices: $155.5 mil
    Return on assets (ROA): 0.40% ($0.8 mil)
    Quarterly return on assets: 0.75% ($1.5 mil)
    Return on Equity (ROE): 4.00% ($0.8 mil)
    Quarterly return on equity: 7.28% ($1.5 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.64% ($1,265.4 mil)
    Quarterly Pretax return on assets: 1.16% ($2,293.5 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
  • 24Total employees (full-time equivalent)
  • $197,715Total assets
  • $9,265Cash and due from depository institutions
  • $5,379Interest-bearing balances
  • $27,987Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $153,197Net loans & leases
  • $2,960Loan loss allowance
  • $0Trading account assets
  • $1,229Bank premises and fixed assets
  • $2,865Other real estate owned
  • $0Goodwill and other intangibles
  • $197,715Life insurance assets
  • $3,172All other assets
  • $177,427Total liabilities and capital
  • $155,475Total liabilities
  • $136,085Total deposits
  • $155,475Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 1280.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,400Trading liabilities
  • $0Other borrowed funds
  • $272Subordinated debt
  • $20,288All other liabilities
  • $20,288Total equity capital
  • $20,288Total bank equity capital
  • $0Perpetual preferred stock
  • $6,628Common stock
  • $13,365Surplus
  • $295Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,079Income earned, not collected on loans
  • $0Earning assets
  • $617Long-term assets (5+ years)
  • $186,563Average Assets, year-to-date
  • $32,423Average Assets, quarterly
  • $187,513Volatile liabilities
  • $195,270Insider loans
  • $163,803FHLB advances
  • $197,912Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,162Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,697Restructured Loans and leases
  • $11,601Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,022Total interest income
  • $2,092Total interest expense
  • $6,930Net interest income
  • $1,461Provision for loan and lease losses
  • $387Total noninterest income
  • $0Fiduciary activities
  • $119Service charges on deposit accounts
  • $0Trading account gains & fees
  • $268Additional noninterest income
  • $4,649Total noninterest expense
  • $2,606Salaries and employee benefits
  • $482Premises and equipment expense
  • $1,561Additional noninterest expense
  • $1,207Pre-tax net operating income
  • $0Securities gains (losses)
  • $454Applicable income taxes
  • $753Income before extraordinary items
  • $0Extraordinary gains - net
  • $753Net income attributable to bank
  • $0Net charge-offs
  • $753Cash dividends
  • $1,323Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.09%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.62%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 4.00%Return on equity (ROE)
  • 4.00%Retained earnings to average equity (YTD only)
  • 0.88%Net charge-offs to loans
  • 110.43%Credit loss provision to net charge-offs
  • 2.02%Efficiency ratio
  • 63,537Assets per employee
  • 8.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.90%Loss allowance to noncurrent loans
  • 142.38%Noncurrent assets plus other real estate owned to assets
  • 2.50%Noncurrent loans to loans
  • 1.33%Net loans and leases to deposits
  • 98.53%Net loans and leases to core deposits
  • 118.61%Equity capital to assets
  • 10.26%Core capital (leverage) ratio
  • 10.19%Tier 1 risk-based capital ratio
  • 12.31%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $187,513Average earning assets
  • $18,802Average equity
  • $177,397Average loans

List of branches

  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0440110Triad Bank10375 Clayton Road, Frontenac, MO 63131October 24, 2005Full Service Brick and Mortar

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