First Bank, A Federal Savings Bank in city_name, state_name

First Bank, A Federal Savings Bank in Clayton, Missouri (MO)
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First Bank, A Federal Savings Bank - Overview

General
FDIC Certificate #: 31790
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Bank (#12229)
Federal Reserve ID: 455178
Date Established: January 01, 1885
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 7468
FDIC's unique #: 44624
Numeric code: 37
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: March 09, 1976
Last Structure Change Effective Date: November 01, 1997
Last Structure Change Process Date: November 17, 1997
Last Data Update: November 17, 1997
Data Source Date: April 05, 2012
Location
Address: 135 North Meramec, Clayton, MO 63105
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)
Financial Summary
Total assets: $1,028.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$313Total assets
$1,023,747Cash and due from depository institutions
$17,937Interest-bearing balances
$4,190Securities
$73,805Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$855,065Loan loss allowance
$9,111Trading account assets
$0Bank premises and fixed assets
$18,644Other real estate owned
$2,870Goodwill and other intangibles
$31,799Life insurance assets
$23,627All other assets
$0Total liabilities and capital
$1,023,747Total liabilities
$933,243Total deposits
$877,854Interest-bearing deposits
$837,959Deposits held in domestic offices
877854.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$789Trading liabilities
$0Other borrowed funds
$62,857Subordinated debt
$0All other liabilities
$-8,257Total equity capital
$-8,257Total bank equity capital
$90,504Perpetual preferred stock
$0Common stock
$2Surplus
$93,541Undivided profits
Memoranda
$-3,039Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$10,867Income earned, not collected on loans
$5,543Earning assets
$933,060Long-term assets (5+ years)
$0Average Assets, year-to-date
$1,088,706Average Assets, quarterly
$1,051,286Volatile liabilities
$140,473Insider loans
$151FHLB advances
$33,532Loans and leases held for sale
$0Unused loan commitments
$81,861Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$64,828Total risk weighted assets
$665,071Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$80,522Total interest expense
$46,197Net interest income
$34,325Provision for loan and lease losses
$290Total noninterest income
$4,748Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$4,748Total noninterest expense
$37,480Salaries and employee benefits
$11,906Premises and equipment expense
$7,377Additional noninterest expense
$18,197Pre-tax net operating income
$1,303Securities gains (losses)
-$675Applicable income taxes
$679Income before extraordinary items
-$51Extraordinary gains - net
$0Net income attributable to bank
-$51Net charge-offs
-$362Cash dividends
$13,765Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.09%Cost of funding earning assets
4.64%Net interest margin
3.45%Noninterest income to earning assets
0.48%Noninterest expense to earning assets
3.76%Net operating income to assets
0.03%Return on assets (ROA)
-0.00%Pretax return on assets
0.06%Return on equity (ROE)
-0.05%Retained earnings to average equity (YTD only)
-14.33%Net charge-offs to loans
-0.04%Credit loss provision to net charge-offs
-80.11%Efficiency ratio
92,596Assets per employee
3.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
-26990.20%Loss allowance to loans
1.05%Loss allowance to noncurrent loans
83.84%Noncurrent assets plus other real estate owned to assets
1.34%Noncurrent loans to loans
1.26%Net loans and leases to deposits
97.40%Net loans and leases to core deposits
106.75%Equity capital to assets
8.84%Core capital (leverage) ratio
6.50%Tier 1 risk-based capital ratio
9.75%Total risk-based capital ratio
Memoranda
$11Average assets
$1,088,706Average earning assets
$96,420Average equity
$995,903Average loans

First Bank, A Federal Savings Bank in Clayton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank, A Federal Savings Bank - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

First Bank, A Federal Savings Bank in Clayton, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank, A Federal Savings Bank - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

First Bank, A Federal Savings Bank in Clayton, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches