First State Bank of St. Charles, Missouri in city_name, state_name

First State Bank of St. Charles, Missouri in St. Charles, Missouri (MO)
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First State Bank of St. Charles, Missouri routing number info

First State Bank of St. Charles, Missouri - Overview

General
FDIC Certificate #: 12219
Status: Active
Federal Reserve ID: 345756
Bank Holding Company (Regulatory Top Holder): First State Bancshares, Inc. (RSSDID: 1416550, Location: Saint Charles, MO)
Date Established: May 10, 1867
WWW: http://www.fsbfinancial.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 7764
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: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 206 North Fifth Street, St. Charles, MO 63301
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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $217.7 mil
Equity capital: $32.3 mil
Deposits held in domestic offices: $184.5 mil
Return on assets (ROA): 0.45% ($1.0 mil)
Quarterly return on assets: 0.96% ($2.1 mil)
Return on Equity (ROE): 3.00% ($1.0 mil)
Quarterly return on equity: 6.47% ($2.1 mil)
Net income: $1.0 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 0.52% ($1,131.9 mil)
Quarterly Pretax return on assets: 1.38% ($3,003.8 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
105Total employees (full-time equivalent)
$217,668Total assets
$6,379Cash and due from depository institutions
$2,166Interest-bearing balances
$54,204Securities
$0Federal funds sold & reverse repurchase agreements
$135,562Net loans & leases
$1,131Loan loss allowance
$0Trading account assets
$7,834Bank premises and fixed assets
$5,316Other real estate owned
$0Goodwill and other intangibles
$217,668Life insurance assets
$8,373All other assets
$185,402Total liabilities and capital
$184,476Total liabilities
$141,163Total deposits
$184,476Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$926Subordinated debt
$32,266All other liabilities
$32,266Total equity capital
$32,266Total bank equity capital
$0Perpetual preferred stock
$1,375Common stock
$600Surplus
$30,291Undivided profits
Memoranda
$0Noncurrent loans and leases
$16,956Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$699Income earned, not collected on loans
$0Earning assets
$810Long-term assets (5+ years)
$191,932Average Assets, year-to-date
$49,474Average Assets, quarterly
$211,309Volatile liabilities
$217,619Insider loans
$170,122FHLB advances
$216,897Loans and leases held for sale
$4,192Unused loan commitments
$4,192Tier 1 (core) risk-based capital
$31,536Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$23,867Restructured Loans and leases
$5,725Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,844Total interest income
$1,262Total interest expense
$7,582Net interest income
$1,326Provision for loan and lease losses
$5,498Total noninterest income
$0Fiduciary activities
$271Service charges on deposit accounts
$0Trading account gains & fees
$5,227Additional noninterest income
$10,893Total noninterest expense
$6,655Salaries and employee benefits
$757Premises and equipment expense
$3,481Additional noninterest expense
$861Pre-tax net operating income
$247Securities gains (losses)
$157Applicable income taxes
$951Income before extraordinary items
$0Extraordinary gains - net
$951Net income attributable to bank
$0Net charge-offs
$951Cash dividends
$1,684Sale, conversion, retirement of capital stock, net
$794Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.79%Yield on earning assets
0.68%Cost of funding earning assets
4.11%Net interest margin
2.98%Noninterest income to earning assets
5.90%Noninterest expense to earning assets
0.35%Net operating income to assets
0.45%Return on assets (ROA)
0.52%Pretax return on assets
3.00%Return on equity (ROE)
0.50%Retained earnings to average equity (YTD only)
1.24%Net charge-offs to loans
78.74%Credit loss provision to net charge-offs
1.30%Efficiency ratio
83,280Assets per employee
2.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.49%Loss allowance to loans
0.83%Loss allowance to noncurrent loans
161.80%Noncurrent assets plus other real estate owned to assets
2.76%Noncurrent loans to loans
0.51%Net loans and leases to deposits
73.48%Net loans and leases to core deposits
80.46%Equity capital to assets
14.82%Core capital (leverage) ratio
14.54%Tier 1 risk-based capital ratio
18.54%Total risk-based capital ratio
Memoranda
$19Average assets
$211,309Average earning assets
$31,669Average equity
$184,683Average loans

List of branches

5 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7764	First State Bank Of St. Charles, Missouri	206 North Fifth Street, St. Charles, MO 63301	May 10, 1867	Full Service Brick and Mortar
2	226697	Hwy 94 Facility	1501 Old Highway 94 South, Saint Charles, MO 63303	November 20, 1973	Full Service Brick and Mortar
3	226698	O'fallon Facility	300 Woodlawn Avenue, O'fallon, MO 63366	December 14, 1990	Full Service Brick and Mortar
4	450883	Lake St. Louis Facility	3461 Technology Drive, Lake Saint Louis, MO 63367	April 24, 2006	Full Service Brick and Mortar
5	508321	First State Bank Mortgage	295 Salt Lick Road, Saint Peters, MO 63376	April 09, 2010	Limited Service Loan Production

First State Bank of St. Charles, Missouri in St. Charles, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of St. Charles, Missouri - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First State Bank of St. Charles, Missouri in St. Charles, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of St. Charles, Missouri - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First State Bank of St. Charles, Missouri in St. Charles, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches