Eagle Bank and Trust Company of Missouri in Hillsboro, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Eagle Bank and Trust Company of Missouri in Hillsboro, Missouri (MO)
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Eagle Bank and Trust Company of Missouri - Overview

  • General
  • FDIC Certificate #: 17691
    Status: Active
    Federal Reserve ID: 846356
    Bank Holding Company (Regulatory Top Holder): Jefferson County Bancshares, Incorporated (RSSDID: 2040288, Location: Festus, MO)
    Date Established: April 29, 1911
    WWW: http://www.eaglebankandtrust.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 17 (Domestic: 13, Interstate: No)
    FDIC's unique #: 11653
    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: November 21, 1956
    Last Structure Change Effective Date: Febuary 17, 2012
    Last Structure Change Process Date: Febuary 21, 2012
    Last Data Update: Febuary 21, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 10596 Highway 21, Hillsboro, MO 63050
    County: Jefferson
    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: $836.9 mil
    Equity capital: $88.9 mil
    Deposits held in domestic offices: $681.2 mil
    Return on assets (ROA): 0.99% ($8.3 mil)
    Quarterly return on assets: 1.08% ($9.0 mil)
    Return on Equity (ROE): 9.38% ($8.3 mil)
    Quarterly return on equity: 10.18% ($9.1 mil)
    Net income: $8.0 mil
    Quarterly Net income: $2.3 mil
    Pretax return on assets: 1.48% ($12,385.4 mil)
    Quarterly Pretax return on assets: 1.57% ($13,138.6 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
  • 184Total employees (full-time equivalent)
  • $836,854Total assets
  • $79,982Cash and due from depository institutions
  • $67,491Interest-bearing balances
  • $155,065Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $547,442Net loans & leases
  • $7,629Loan loss allowance
  • $0Trading account assets
  • $16,630Bank premises and fixed assets
  • $7,079Other real estate owned
  • $5,602Goodwill and other intangibles
  • $836,854Life insurance assets
  • $25,054All other assets
  • $747,949Total liabilities and capital
  • $681,212Total liabilities
  • $568,251Total deposits
  • $681,212Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 12135.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $52,500Trading liabilities
  • $0Other borrowed funds
  • $2,102Subordinated debt
  • $88,905All other liabilities
  • $88,905Total equity capital
  • $88,905Total bank equity capital
  • $0Perpetual preferred stock
  • $1,240Common stock
  • $31,185Surplus
  • $56,480Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $19,670Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,748Income earned, not collected on loans
  • $77Earning assets
  • $2,863Long-term assets (5+ years)
  • $769,998Average Assets, year-to-date
  • $168,536Average Assets, quarterly
  • $814,509Volatile liabilities
  • $833,053Insider loans
  • $623,770FHLB advances
  • $825,467Loans and leases held for sale
  • $15,379Unused loan commitments
  • $11,050Tier 1 (core) risk-based capital
  • $81,039Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,329Total unused commitments
  • $84,033Restructured Loans and leases
  • $10,052Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $34,930Total interest income
  • $7,793Total interest expense
  • $27,137Net interest income
  • $1,914Provision for loan and lease losses
  • $6,857Total noninterest income
  • $198Fiduciary activities
  • $2,338Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,321Additional noninterest income
  • $20,050Total noninterest expense
  • $10,263Salaries and employee benefits
  • $2,488Premises and equipment expense
  • $7,299Additional noninterest expense
  • $12,030Pre-tax net operating income
  • $0Securities gains (losses)
  • $4,005Applicable income taxes
  • $8,025Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,025Net income attributable to bank
  • $0Net charge-offs
  • $8,025Cash dividends
  • $1,399Sale, conversion, retirement of capital stock, net
  • $3,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 9.38%Return on equity (ROE)
  • 5.29%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 136.81%Credit loss provision to net charge-offs
  • 9.97%Efficiency ratio
  • 58,981Assets per employee
  • 4.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.61%Loss allowance to loans
  • 1.37%Loss allowance to noncurrent loans
  • 45.55%Noncurrent assets plus other real estate owned to assets
  • 2.85%Noncurrent loans to loans
  • 3.02%Net loans and leases to deposits
  • 80.36%Net loans and leases to core deposits
  • 85.97%Equity capital to assets
  • 10.62%Core capital (leverage) ratio
  • 9.82%Tier 1 risk-based capital ratio
  • 12.99%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $814,509Average earning assets
  • $85,581Average equity
  • $751,005Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $60,089Managed Assets
  • 1Number of Accounts
  • $60,089Personal trust and agency accounts
  • $60,089Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 26Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 17 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011653Eagle Bank And Trust Company Of Miss10596 Highway 21, Hillsboro, MO 63050April 29, 1911Full Service Brick and Mortar
    110890House Springs Branch4675 Gravois Road, House Springs, MO 63051January 01, 1912Full Service Brick and Mortar
    2238801Drive-In FacilityOld Highway 30 And Bb, Cedar Hill, MO 63016March 22, 1974Full Service Brick and Mortar
    3242513Festus-Crystal City Facility680 South Mill Street, Festus, MO 63028March 01, 1991Full Service Brick and Mortar
    4242514121 Jefferson SquareState Road 21, De Soto, MO 63020July 10, 1996Full Service Brick and Mortar
    6242516Arnold Branch3944 Vogel Road, Arnold, MO 63010August 02, 1999Full Service Brick and Mortar
    742983Perry County Savings Bank Branch14 North Jackson Street, Perryville, MO 63775January 01, 1922Full Service Brick and Mortar
    8363077Kirkwood Branch1052 South Kirkwood Road, Kirkwood, MO 63122Febuary 12, 2002Full Service Brick and Mortar
    9440425Brentwood Facility2521 Brentwood Boulevard, Brentwood, MO 63144January 24, 2005Full Service Brick and Mortar
    10446104St. Louis Branch14231 Manchester Road, Manchester, MO 63011December 08, 2005Full Service Brick and Mortar
    11455828St. Louis Branch5721 South Lindbergh Boulevard, Saint Louis, MO 63128October 17, 2006Full Service Brick and Mortar
    12462318Chippewa Branch6725 Chippewa, Saint Louis, MO 63109April 03, 2007Full Service Brick and Mortar
    13521956Garden Villas Branch7092 S. Outer 364, O Fallon, MO 63368July 21, 2011Full Service Brick and Mortar
    14187801Garden Villas South Branch13457 Tesson Ferry Road, Suite 10, Saint Louis, MO 63128October 27, 1998Limited Service Mobile
    15359502Garden Villas North Branch4505 Parker Road, Florissant, MO 63033Febuary 07, 2001Limited Service Mobile
    16362277Garden Villas Chesterfield14901 North Outer Forty Road, Chesterfield, MO 63017September 18, 2001Limited Service Mobile
    17365045Garden Villas West Branch13590 South Outer Forty, Chesterfield, MO 63017January 01, 2002Limited Service Mobile
1
Hector Francisco Zenteno Stewart
Dear Sirs
I have certificates from your institution and I need to contact you as soon as possible,

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