FDIC Certificate #: 3816 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank of St. Louis (#4534) Federal Reserve ID: 387345 Date Established: November 03, 1906 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 2477 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: November 05, 2007 Last Structure Change Process Date: November 19, 2007 Last Data Update: November 19, 2007 Data Source Date: April 05, 2012
Location
Address: 3 East Washington Street, Millstadt, IL 62260 County: St. Clair Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Mount Vernon Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central 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: $86.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
22Total employees (full-time equivalent)
$90,010Total assets
$1,796Cash and due from depository institutions
$0Interest-bearing balances
$30,668Securities
$12,800Federal funds sold & reverse repurchase agreements
$40,446Net loans & leases
$443Loan loss allowance
$0Trading account assets
$708Bank premises and fixed assets
$27Other real estate owned
$0Goodwill and other intangibles
$2,923Life insurance assets
$3,565All other assets
$90,010Total liabilities and capital
$78,345Total liabilities
$78,005Total deposits
$70,154Interest-bearing deposits
$78,005Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$340All other liabilities
$11,665Total equity capital
$11,665Total bank equity capital
$11,665Perpetual preferred stock
$0Common stock
$100Surplus
$500Undivided profits
Memoranda
$11,065Noncurrent loans and leases
$4,373Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$142Earning assets
$0Long-term assets (5+ years)
$415Average Assets, year-to-date
$83,914Average Assets, quarterly
$730Volatile liabilities
$84,646Insider loans
$86,954FHLB advances
$7,205Loans and leases held for sale
$1,140Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,373Total unused commitments
$0Restructured Loans and leases
$443Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$3,789Total interest income
$1,487Total interest expense
$2,302Net interest income
$0Provision for loan and lease losses
$445Total noninterest income
$0Fiduciary activities
$108Service charges on deposit accounts
$0Trading account gains & fees
$337Additional noninterest income
$2,215Total noninterest expense
$1,347Salaries and employee benefits
$201Premises and equipment expense
$667Additional noninterest expense
$532Pre-tax net operating income
$0Securities gains (losses)
$133Applicable income taxes
$399Income before extraordinary items
$0Extraordinary gains - net
$399Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$13Sale, conversion, retirement of capital stock, net
$500Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.83%Yield on earning assets
1.89%Cost of funding earning assets
2.93%Net interest margin
0.57%Noninterest income to earning assets
2.82%Noninterest expense to earning assets
0.47%Net operating income to assets
0.47%Return on assets (ROA)
0.63%Pretax return on assets
3.43%Return on equity (ROE)
-0.87%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
80,633Assets per employee
4.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
125.31%Loss allowance to loans
1.08%Loss allowance to noncurrent loans
311.97%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.35%Net loans and leases to deposits
51.85%Net loans and leases to core deposits
57.13%Equity capital to assets
12.96%Core capital (leverage) ratio
15.38%Tier 1 risk-based capital ratio
27.07%Total risk-based capital ratio
Memoranda
$28Average assets
$84,646Average earning assets
$11,637Average equity
$78,478Average loans
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