FDIC Certificate #: 27481 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Lindell Bank & Trust Company (#1073) Federal Reserve ID: 1368686 Date Established: March 30, 1989 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 40098 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: March 30, 1989 Last Structure Change Effective Date: September 11, 1998 Last Structure Change Process Date: September 23, 1998 Last Data Update: September 23, 1998 Data Source Date: April 05, 2012
Location
Address: 5500 Mexico Road, St. Peters, MO 63376 County: St. Charles 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)
Financial Summary
Total assets: $107.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
27Total employees (full-time equivalent)
$99,007Total assets
$3,221Cash and due from depository institutions
$197Interest-bearing balances
$21,150Securities
$3,320Federal funds sold & reverse repurchase agreements
$68,353Net loans & leases
$1,227Loan loss allowance
$0Trading account assets
$1,937Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,026All other assets
$99,007Total liabilities and capital
$90,884Total liabilities
$90,309Total deposits
$73,749Interest-bearing deposits
$90,309Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$575All other liabilities
$8,123Total equity capital
$8,123Total bank equity capital
$8,123Perpetual preferred stock
$0Common stock
$2,000Surplus
$2,420Undivided profits
Memoranda
$3,703Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$128Earning assets
$0Long-term assets (5+ years)
$356Average Assets, year-to-date
$93,020Average Assets, quarterly
$1,071Volatile liabilities
$93,271Insider loans
$99,032FHLB advances
$11,193Loans and leases held for sale
$401Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$17,181Total unused commitments
$0Restructured Loans and leases
$72,342Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$7,787Total interest income
$3,585Total interest expense
$4,202Net interest income
$228Provision for loan and lease losses
$237Total noninterest income
$0Fiduciary activities
$160Service charges on deposit accounts
$0Trading account gains & fees
$77Additional noninterest income
$2,159Total noninterest expense
$1,157Salaries and employee benefits
$247Premises and equipment expense
$755Additional noninterest expense
$2,052Pre-tax net operating income
$0Securities gains (losses)
$771Applicable income taxes
$1,281Income before extraordinary items
$0Extraordinary gains - net
$1,281Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$8Sale, conversion, retirement of capital stock, net
$550Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.94%Yield on earning assets
4.12%Cost of funding earning assets
4.82%Net interest margin
0.27%Noninterest income to earning assets
2.48%Noninterest expense to earning assets
1.37%Net operating income to assets
1.37%Return on assets (ROA)
2.20%Pretax return on assets
16.74%Return on equity (ROE)
9.55%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
2850.00%Credit loss provision to net charge-offs
285.00%Efficiency ratio
48,637Assets per employee
3.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.94%Loss allowance to loans
1.76%Loss allowance to noncurrent loans
958.59%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.18%Net loans and leases to deposits
75.69%Net loans and leases to core deposits
86.40%Equity capital to assets
8.20%Core capital (leverage) ratio
8.01%Tier 1 risk-based capital ratio
11.18%Total risk-based capital ratio
Memoranda
$12Average assets
$93,271Average earning assets
$7,652Average equity
$87,103Average loans
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