Central West End Bank, A Federal Savings Bank - Overview
General
FDIC Certificate #: 31975 Status: Inactive Closing history: Corrections Acquiring institution:Pulaski Bank (#30284) Federal Reserve ID: 717577 Date Established: July 05, 1979 WWW:http://www.cwe-bank.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 7677 FDIC's unique #: 44809 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: July 05, 1979 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: April 20, 2006 Last Data Update: May 09, 2006 Data Source Date: April 05, 2012
Location
Address: 415 Debaliviere, Saint Louis, MO 63112 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
Merger - Without Assistance
Merge BIF and SAIF Funds into DIF
Corrections
Financial Summary
Total assets: $50.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
17Total employees (full-time equivalent)
$50,245Total assets
$7,193Cash and due from depository institutions
$6,444Interest-bearing balances
$7,709Securities
$0Federal funds sold & reverse repurchase agreements
$33,341Net loans & leases
$331Loan loss allowance
$0Trading account assets
$883Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$650Life insurance assets
$1,119All other assets
$50,245Total liabilities and capital
$45,790Total liabilities
$45,010Total deposits
$40,661Interest-bearing deposits
$45,010Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$421Other borrowed funds
$0Subordinated debt
$359All other liabilities
$4,455Total equity capital
$4,455Total bank equity capital
$4,455Perpetual preferred stock
$0Common stock
$951Surplus
$399Undivided profits
Memoranda
$3,105Noncurrent loans and leases
$2,889Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$209Average Assets, year-to-date
$47,494Average Assets, quarterly
$0Volatile liabilities
$48,215Insider loans
$48,227FHLB advances
$15,627Loans and leases held for sale
$421Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,889Total unused commitments
$0Restructured Loans and leases
$327Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$2,430Total interest income
$699Total interest expense
$1,731Net interest income
$0Provision for loan and lease losses
$353Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$353Additional noninterest income
$1,698Total noninterest expense
$993Salaries and employee benefits
$370Premises and equipment expense
$335Additional noninterest expense
$386Pre-tax net operating income
$0Securities gains (losses)
$143Applicable income taxes
$243Income before extraordinary items
$0Extraordinary gains - net
$243Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.28%Yield on earning assets
1.52%Cost of funding earning assets
3.76%Net interest margin
0.77%Noninterest income to earning assets
3.69%Noninterest expense to earning assets
0.50%Net operating income to assets
0.50%Return on assets (ROA)
0.80%Pretax return on assets
5.58%Return on equity (ROE)
5.58%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
81,478Assets per employee
2.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.98%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
74.07%Net loans and leases to core deposits
111.87%Equity capital to assets
8.87%Core capital (leverage) ratio
8.94%Tier 1 risk-based capital ratio
17.22%Total risk-based capital ratio
Memoranda
$18Average assets
$48,215Average earning assets
$4,352Average equity
$46,056Average loans
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