FDIC Certificate #: 34119 Status: Active Federal Reserve ID: 2392950 Bank Holding Company (Regulatory Top Holder): Concord Bancshares, Inc. (RSSDID: 2881959, Location: Saint Louis, MO) Date Established: January 22, 1996 WWW:http://www.concordbank.com 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 #: 56262 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: January 22, 1996 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: 12040 Tesson Ferry Road, St. Louis, MO 63128 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: $156.6 mil Equity capital: $13.4 mil Deposits held in domestic offices: $141.7 mil Return on assets (ROA): 0.43% ($0.7 mil) Quarterly return on assets: 0.33% ($0.5 mil) Return on Equity (ROE): 4.98% ($0.6 mil) Quarterly return on equity: 3.92% ($0.5 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.62% ($970.6 mil) Quarterly Pretax return on assets: 0.48% ($751.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$156,550Total assets
$16,089Cash and due from depository institutions
$13,601Interest-bearing balances
$7,786Securities
$526Federal funds sold & reverse repurchase agreements
$118,245Net loans & leases
$3,470Loan loss allowance
$0Trading account assets
$985Bank premises and fixed assets
$3,107Other real estate owned
$0Goodwill and other intangibles
$156,550Life insurance assets
$9,812All other assets
$143,129Total liabilities and capital
$141,686Total liabilities
$129,655Total deposits
$141,686Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$443Subordinated debt
$13,421All other liabilities
$13,421Total equity capital
$13,421Total bank equity capital
$0Perpetual preferred stock
$2,500Common stock
$4,300Surplus
$6,621Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,134Income earned, not collected on loans
$0Earning assets
$460Long-term assets (5+ years)
$140,158Average Assets, year-to-date
$4,905Average Assets, quarterly
$152,020Volatile liabilities
$158,059Insider loans
$133,176FHLB advances
$153,575Loans and leases held for sale
$3,924Unused loan commitments
$3,924Tier 1 (core) risk-based capital
$11,502Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,271Restructured Loans and leases
$5,161Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,698Total interest income
$2,110Total interest expense
$4,588Net interest income
$180Provision for loan and lease losses
$410Total noninterest income
$0Fiduciary activities
$107Service charges on deposit accounts
$0Trading account gains & fees
$303Additional noninterest income
$3,869Total noninterest expense
$1,229Salaries and employee benefits
$535Premises and equipment expense
$2,105Additional noninterest expense
$949Pre-tax net operating income
$0Securities gains (losses)
$299Applicable income taxes
$650Income before extraordinary items
$0Extraordinary gains - net
$650Net income attributable to bank
$0Net charge-offs
$650Cash dividends
$395Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.95%Yield on earning assets
1.56%Cost of funding earning assets
3.39%Net interest margin
0.30%Noninterest income to earning assets
2.86%Noninterest expense to earning assets
0.43%Net operating income to assets
0.43%Return on assets (ROA)
0.62%Pretax return on assets
4.98%Return on equity (ROE)
4.98%Retained earnings to average equity (YTD only)
0.34%Net charge-offs to loans
45.57%Credit loss provision to net charge-offs
2.86%Efficiency ratio
77,411Assets per employee
8.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.85%Loss allowance to noncurrent loans
306.00%Noncurrent assets plus other real estate owned to assets
2.71%Noncurrent loans to loans
0.93%Net loans and leases to deposits
83.46%Net loans and leases to core deposits
85.04%Equity capital to assets
8.57%Core capital (leverage) ratio
7.49%Tier 1 risk-based capital ratio
8.64%Total risk-based capital ratio
Memoranda
$10Average assets
$152,020Average earning assets
$13,062Average equity
$135,296Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
56262
Concord Bank
12040 Tesson Ferry Road, St. Louis, MO 63128
January 22, 1996
Full Service Brick and Mortar
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