FDIC Certificate #: 58796 Status: Active Federal Reserve ID: 3688043 Bank Holding Company (Regulatory Top Holder): Parkside Financial, Inc. (RSSDID: 3694026, Location: Clayton, MO) Date Established: April 23, 2008 WWW:http://www.parksidepath.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 468552 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: April 23, 2008 Last Structure Change Effective Date: April 23, 2008 Last Structure Change Process Date: April 29, 2008 Last Data Update: April 29, 2008 Data Source Date: April 05, 2012
Location
Address: 8112 Maryland Avenue, Suite 101, 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)
History of Changes
Name Change
New Institution
Change in Trust Powers
Financial Summary
Total assets: $219.6 mil Equity capital: $21.1 mil Deposits held in domestic offices: $170.0 mil Return on assets (ROA): 0.76% ($1.7 mil) Quarterly return on assets: 1.00% ($2.2 mil) Return on Equity (ROE): 7.81% ($1.6 mil) Quarterly return on equity: 10.10% ($2.1 mil) Net income: $1.5 mil Quarterly Net income: $0.5 mil Pretax return on assets: 1.28% ($2,810.3 mil) Quarterly Pretax return on assets: 1.68% ($3,688.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
32Total employees (full-time equivalent)
$219,552Total assets
$20,260Cash and due from depository institutions
$15,711Interest-bearing balances
$9,237Securities
$0Federal funds sold & reverse repurchase agreements
$184,709Net loans & leases
$2,440Loan loss allowance
$0Trading account assets
$1,377Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$219,552Life insurance assets
$3,969All other assets
$198,449Total liabilities and capital
$169,967Total liabilities
$120,995Total deposits
$169,967Interest-bearing deposits
$68Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$26,000Trading liabilities
$0Other borrowed funds
$2,482Subordinated debt
$21,103All other liabilities
$21,103Total equity capital
$21,103Total bank equity capital
$0Perpetual preferred stock
$9,475Common stock
$11,945Surplus
$-317Undivided 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
$547Long-term assets (5+ years)
$209,657Average Assets, year-to-date
$2,868Average Assets, quarterly
$200,661Volatile liabilities
$211,260Insider loans
$202,037FHLB advances
$217,120Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$21,152Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$77,770Restructured Loans and leases
$12,740Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$10,032Total interest income
$2,099Total interest expense
$7,933Net interest income
$390Provision for loan and lease losses
$2,550Total noninterest income
$2,201Fiduciary activities
$321Service charges on deposit accounts
$0Trading account gains & fees
$28Additional noninterest income
$7,532Total noninterest expense
$4,744Salaries and employee benefits
$692Premises and equipment expense
$2,096Additional noninterest expense
$2,561Pre-tax net operating income
$12Securities gains (losses)
$1,055Applicable income taxes
$1,518Income before extraordinary items
$0Extraordinary gains - net
$1,518Net income attributable to bank
$0Net charge-offs
$1,518Cash 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)
5.23%Yield on earning assets
1.09%Cost of funding earning assets
4.14%Net interest margin
1.33%Noninterest income to earning assets
3.93%Noninterest expense to earning assets
0.75%Net operating income to assets
0.76%Return on assets (ROA)
1.28%Pretax return on assets
7.81%Return on equity (ROE)
7.81%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
71,850Assets per employee
6.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.30%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
108.67%Net loans and leases to core deposits
136.18%Equity capital to assets
9.61%Core capital (leverage) ratio
9.74%Tier 1 risk-based capital ratio
10.47%Total risk-based capital ratio
Memoranda
$12Average assets
$200,661Average earning assets
$19,427Average equity
$191,714Average 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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