Truman Bank in St. Louis, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Truman Bank - Overview

  • General
  • FDIC Certificate #: 27316
    Status: Active
    Federal Reserve ID: 1213777
    Bank Holding Company (Regulatory Top Holder): Templar Fund, Inc., The (RSSDID: 2246071, Location: Saint Louis, MO)
    Date Established: August 01, 1988
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 39560
    Numeric code: 13
    Regulator: FED
    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: August 01, 1988
    Last Structure Change Effective Date: May 22, 2006
    Last Structure Change Process Date: July 10, 2006
    Last Data Update: July 10, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 8151 Clayton Road, St. Louis, MO 63117
    County: Saint Louis (City)
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $315.3 mil
    Equity capital: $15.3 mil
    Deposits held in domestic offices: $265.8 mil
    Return on assets (ROA): -4.54% (-$14.3 mil)
    Quarterly return on assets: -3.13% (-$9.9 mil)
    Return on Equity (ROE): -68.14% (-$10.2 mil)
    Quarterly return on equity: -61.37% (-$9.2 mil)
    Net income: -$15.8 mil
    Quarterly Net income: -$2.6 mil
    Pretax return on assets: -4.54% (-$14,315.4 mil)
    Quarterly Pretax return on assets: -3.14% (-$9,901.0 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
  • 56Total employees (full-time equivalent)
  • $315,317Total assets
  • $6,935Cash and due from depository institutions
  • $3,314Interest-bearing balances
  • $15,418Securities
  • $32,594Federal funds sold & reverse repurchase agreements
  • $216,438Net loans & leases
  • $16,743Loan loss allowance
  • $0Trading account assets
  • $5,646Bank premises and fixed assets
  • $29,081Other real estate owned
  • $776Goodwill and other intangibles
  • $315,317Life insurance assets
  • $8,429All other assets
  • $299,975Total liabilities and capital
  • $265,768Total liabilities
  • $242,065Total deposits
  • $265,768Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 2878.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,307Trading liabilities
  • $0Other borrowed funds
  • $2,022Subordinated debt
  • $15,342All other liabilities
  • $15,342Total equity capital
  • $15,342Total bank equity capital
  • $500Perpetual preferred stock
  • $3,138Common stock
  • $48,190Surplus
  • $-36,486Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $49,047Income earned, not collected on loans
  • $0Earning assets
  • $947Long-term assets (5+ years)
  • $267,764Average Assets, year-to-date
  • $15,256Average Assets, quarterly
  • $348,612Volatile liabilities
  • $326,187Insider loans
  • $245,815FHLB advances
  • $328,724Loans and leases held for sale
  • $1,750Unused loan commitments
  • $1,750Tier 1 (core) risk-based capital
  • $14,261Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,422Restructured Loans and leases
  • $2,961Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,435Total interest income
  • $4,049Total interest expense
  • $9,386Net interest income
  • $8,475Provision for loan and lease losses
  • -$870Total noninterest income
  • $0Fiduciary activities
  • $668Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,538Additional noninterest income
  • $15,876Total noninterest expense
  • $3,867Salaries and employee benefits
  • $1,347Premises and equipment expense
  • $10,662Additional noninterest expense
  • -$15,835Pre-tax net operating income
  • $0Securities gains (losses)
  • -$10Applicable income taxes
  • -$15,825Income before extraordinary items
  • $0Extraordinary gains - net
  • -$15,825Net income attributable to bank
  • $0Net charge-offs
  • -$15,825Cash dividends
  • $10,520Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 3.12%Net interest margin
  • -0.29%Noninterest income to earning assets
  • 5.27%Noninterest expense to earning assets
  • -4.54%Net operating income to assets
  • -4.54%Return on assets (ROA)
  • -4.54%Pretax return on assets
  • -68.14%Return on equity (ROE)
  • -68.14%Retained earnings to average equity (YTD only)
  • 3.98%Net charge-offs to loans
  • 80.56%Credit loss provision to net charge-offs
  • -0.70%Efficiency ratio
  • 124,566Assets per employee
  • 5.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 7.18%Loss allowance to noncurrent loans
  • 34.14%Noncurrent assets plus other real estate owned to assets
  • 24.78%Noncurrent loans to loans
  • 21.03%Net loans and leases to deposits
  • 81.44%Net loans and leases to core deposits
  • 87.29%Equity capital to assets
  • 4.87%Core capital (leverage) ratio
  • 4.34%Tier 1 risk-based capital ratio
  • 5.80%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $348,612Average earning assets
  • $23,224Average equity
  • $301,246Average loans

List of branches

  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039560Truman Bank8151 Clayton Road, St. Louis, MO 63117August 01, 1988Full Service Brick and Mortar
    3261718Blackstone Centre Branch3899 South Outer Service Road, Unit J, St. Peters, MO 63376January 14, 1998Full Service Brick and Mortar
    513237Northwoods Branch7151 Natural Bridge Road, Saint Louis, MO 63121June 20, 1923Full Service Brick and Mortar
    8357481Crestwood Branch9945 Watson Road, Saint Louis, MO 63126May 10, 2000Full Service Brick and Mortar

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