FDIC Certificate #: 34723 Status: Active Federal Reserve ID: 2716547 Date Established: July 20, 1998 WWW:http://www.tiaa-cref.org 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 #: 15018 FDIC's unique #: 61407 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: July 20, 1998 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: 211 North Broadway, Suite 1000, Saint Louis, MO 63102 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
Change in Primary Regulatory Agency
Financial Summary
Total assets: $495.2 mil Equity capital: $57.3 mil Deposits held in domestic offices: $434.4 mil Return on assets (ROA): 1.36% ($6.7 mil) Quarterly return on assets: 1.16% ($5.7 mil) Return on Equity (ROE): 9.70% ($5.5 mil) Quarterly return on equity: 9.29% ($5.3 mil) Net income: $5.2 mil Quarterly Net income: $1.3 mil Pretax return on assets: 3.47% ($17,184.2 mil) Quarterly Pretax return on assets: 2.06% ($10,201.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
66Total employees (full-time equivalent)
$495,222Total assets
$182,291Cash and due from depository institutions
$181,992Interest-bearing balances
$292,843Securities
$5,000Federal funds sold & reverse repurchase agreements
$2,174Net loans & leases
$22Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$495,222Life insurance assets
$12,914All other assets
$437,890Total liabilities and capital
$434,374Total liabilities
$434,374Total deposits
$434,374Interest-bearing deposits
$71Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$3,516Subordinated debt
$57,332All other liabilities
$57,332Total equity capital
$57,332Total bank equity capital
$0Perpetual preferred stock
$3,000Common stock
$84,316Surplus
$-29,984Undivided 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
$898Long-term assets (5+ years)
$482,009Average Assets, year-to-date
$0Average Assets, quarterly
$378,574Volatile liabilities
$458,364Insider loans
$100,740FHLB advances
$495,009Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$57,119Tier 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
$7,257Total interest income
$319Total interest expense
$6,938Net interest income
$22Provision for loan and lease losses
$48,442Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$48,442Additional noninterest income
$42,209Total noninterest expense
$12,465Salaries and employee benefits
$1,233Premises and equipment expense
$28,511Additional noninterest expense
$13,149Pre-tax net operating income
$0Securities gains (losses)
$7,998Applicable income taxes
$5,151Income before extraordinary items
$0Extraordinary gains - net
$5,151Net income attributable to bank
$0Net charge-offs
$5,151Cash 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)
1.98%Yield on earning assets
0.09%Cost of funding earning assets
1.89%Net interest margin
13.22%Noninterest income to earning assets
11.52%Noninterest expense to earning assets
1.36%Net operating income to assets
1.36%Return on assets (ROA)
3.47%Pretax return on assets
9.70%Return on equity (ROE)
9.70%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
76,217Assets per employee
7.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.00%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
0.50%Net loans and leases to core deposits
0.62%Equity capital to assets
11.58%Core capital (leverage) ratio
11.54%Tier 1 risk-based capital ratio
56.70%Total risk-based capital ratio
Memoranda
$57Average assets
$378,574Average earning assets
$53,126Average equity
$366,459Average 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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