FDIC Certificate #: 28390 Status: Active Federal Reserve ID: 3529315 Date Established: January 01, 1896 WWW:http://www.edwardjones.com Trust Powers Granted: Yes Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 1485 FDIC's unique #: 41224 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: September 17, 1938 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 12555 Manchester Road, Saint Louis, MO 63131 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
Change in Primary Regulatory Agency
Financial Summary
Total assets: $94.7 mil Equity capital: $34.0 mil Deposits held in domestic offices: $50.0 mil Return on assets (ROA): 3.91% ($3.7 mil) Quarterly return on assets: 2.98% ($2.8 mil) Return on Equity (ROE): 7.18% ($2.4 mil) Quarterly return on equity: 8.20% ($2.8 mil) Net income: $2.4 mil Quarterly Net income: $0.7 mil Pretax return on assets: 6.30% ($5,965.2 mil) Quarterly Pretax return on assets: 4.72% ($4,469.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
88Total employees (full-time equivalent)
$94,685Total assets
$7,030Cash and due from depository institutions
$8Interest-bearing balances
$78,601Securities
$6,759Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$94,685Life insurance assets
$2,295All other assets
$60,637Total liabilities and capital
$50,000Total liabilities
$50,000Total deposits
$50,000Interest-bearing deposits
$1Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$10,637Subordinated debt
$34,048All other liabilities
$34,048Total equity capital
$34,048Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$9,341Surplus
$24,707Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent 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)
$85,368Average Assets, year-to-date
$0Average Assets, quarterly
$60,352Volatile liabilities
$92,845Insider loans
$19,334FHLB advances
$94,686Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$34,049Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$40Total interest income
$32Total interest expense
$8Net interest income
$0Provision for loan and lease losses
$25,437Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$25,437Additional noninterest income
$21,645Total noninterest expense
$8,143Salaries and employee benefits
$2,960Premises and equipment expense
$10,542Additional noninterest expense
$3,800Pre-tax net operating income
$0Securities gains (losses)
$1,438Applicable income taxes
$2,362Income before extraordinary items
$0Extraordinary gains - net
$2,362Net income attributable to bank
$0Net charge-offs
$2,362Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
0.07%Yield on earning assets
0.06%Cost of funding earning assets
0.01%Net interest margin
47.04%Noninterest income to earning assets
40.03%Noninterest expense to earning assets
3.91%Net operating income to assets
3.91%Return on assets (ROA)
6.30%Pretax return on assets
7.18%Return on equity (ROE)
7.18%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
85,066Assets per employee
1.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.00%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
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
35.96%Core capital (leverage) ratio
35.96%Tier 1 risk-based capital ratio
176.11%Total risk-based capital ratio
Memoranda
$176Average assets
$60,352Average earning assets
$32,902Average equity
$54,078Average 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
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