Truman Bank in St. Louis, Missouri (MO)



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Truman Bank
GeneralFDIC 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
WWW: http://www.trumanbank.com
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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)56
Total assets$315,317
Cash and due from depository institutions$6,935
Interest-bearing balances$3,314
Securities$15,418
Federal funds sold & reverse repurchase agreements$32,594
Net loans & leases$216,438
Loan loss allowance $16,743
Trading account assets$0
Bank premises and fixed assets$5,646
Other real estate owned$29,081
Goodwill and other intangibles$776
All other assets$8,429
Life insurance assets$315,317
Total liabilities and capital$299,975
Total liabilities$265,768
Total deposits$242,065
Interest-bearing deposits$265,768
Deposits held in domestic offices$88
% insured (estimated)2878.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$29,307
Other borrowed funds $0
Subordinated debt $2,022
All other liabilities $15,342
Total equity capital$15,342
Total bank equity capital$15,342
Perpetual preferred stock$500
Common stock$3,138
Surplus$48,190
Undivided profits $-36,486
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $49,047
Earning assets $0
Long-term assets (5+ years) $947
Average Assets, year-to-date $267,764
Average Assets, quarterly $15,256
Volatile liabilities $348,612
Insider loans $326,187
FHLB advances $245,815
Loans and leases held for sale $328,724
Unused loan commitments $1,750
Tier 1 (core) risk-based capital $1,750
Tier 2 risk-based capital $14,261
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,422
Derivatives$2,961
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,435
Total interest expense $4,049
Net interest income $9,386
Provision for loan and lease losses $8,475
Total noninterest income -$870
Fiduciary activities $0
Service charges on deposit accounts $668
Trading account gains & fees $0
Additional noninterest income -$1,538
Total noninterest expense $15,876
Salaries and employee benefits $3,867
Premises and equipment expense $1,347
Additional noninterest expense $10,662
Pre-tax net operating income -$15,835
Securities gains (losses) $0
Applicable income taxes -$10
Income before extraordinary items -$15,825
Extraordinary gains - net $0
Net income attributable to bank -$15,825
Net charge-offs $0
Cash dividends -$15,825
Sale, conversion, retirement of capital stock, net $10,520
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 assets4.46%
Cost of funding earning assets 1.34%
Net interest margin 3.12%
Noninterest income to earning assets -0.29%
Noninterest expense to earning assets 5.27%
Net operating income to assets -4.54%
Return on assets (ROA) -4.54%
Pretax return on assets -4.54%
Return on equity (ROE) -68.14%
Retained earnings to average equity (YTD only) -68.14%
Net charge-offs to loans 3.98%
Credit loss provision to net charge-offs 80.56%
Efficiency ratio-0.70%
Assets per employee$124,566
Cash dividends to net income (YTD only)5.63%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 7.18%
Noncurrent assets plus other real estate owned to assets 34.14%
Noncurrent loans to loans 24.78%
Net loans and leases to deposits21.03%
Net loans and leases to core deposits 81.44%
Equity capital to assets 87.29%
Core capital (leverage) ratio 4.87%
Tier 1 risk-based capital ratio 4.34%
Total risk-based capital ratio 5.80%
Memoranda
Average assets$7
Average earning assets$348,612
Average equity $23,224
Average loans $301,246
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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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