FDIC Certificate #: 57358 Status: Active Federal Reserve ID: 3076220 Bank Holding Company (Regulatory Top Holder): Business Bancshares, Inc. (RSSDID: 3189728, Location: Clayton, MO) Date Established: May 16, 2002 WWW:http://www.bbstl.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 362429 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: May 16, 2002 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: 8000 Maryland Avenue, 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $514.0 mil Equity capital: $58.2 mil Deposits held in domestic offices: $429.1 mil Return on assets (ROA): 0.65% ($3.3 mil) Quarterly return on assets: 0.93% ($4.8 mil) Return on Equity (ROE): 6.09% ($3.5 mil) Quarterly return on equity: 8.18% ($4.7 mil) Net income: $3.4 mil Quarterly Net income: $1.2 mil Pretax return on assets: 0.96% ($4,934.0 mil) Quarterly Pretax return on assets: 1.32% ($6,784.2 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
70Total employees (full-time equivalent)
$513,957Total assets
$66,975Cash and due from depository institutions
$51,767Interest-bearing balances
$49,178Securities
$0Federal funds sold & reverse repurchase agreements
$371,874Net loans & leases
$9,305Loan loss allowance
$0Trading account assets
$722Bank premises and fixed assets
$4,183Other real estate owned
$0Goodwill and other intangibles
$513,957Life insurance assets
$21,025All other assets
$455,730Total liabilities and capital
$429,148Total liabilities
$379,173Total deposits
$429,148Interest-bearing deposits
$62Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$25,150Trading liabilities
$0Other borrowed funds
$1,432Subordinated debt
$58,227All other liabilities
$58,227Total equity capital
$58,227Total bank equity capital
$0Perpetual preferred stock
$5,248Common stock
$41,117Surplus
$11,862Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,841Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$10,008Income earned, not collected on loans
$692Earning assets
$1,415Long-term assets (5+ years)
$472,819Average Assets, year-to-date
$41,538Average Assets, quarterly
$527,079Volatile liabilities
$506,426Insider loans
$424,402FHLB advances
$492,051Loans and leases held for sale
$9,676Unused loan commitments
$7,629Tier 1 (core) risk-based capital
$57,713Tier 2 risk-based capital
$0Total risk weighted assets
$2,047Total unused commitments
$67,514Restructured Loans and leases
$30,912Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$23,757Total interest income
$4,992Total interest expense
$18,765Net interest income
$4,640Provision for loan and lease losses
$3,177Total noninterest income
$0Fiduciary activities
$918Service charges on deposit accounts
$0Trading account gains & fees
$2,259Additional noninterest income
$12,387Total noninterest expense
$7,268Salaries and employee benefits
$1,060Premises and equipment expense
$4,059Additional noninterest expense
$4,915Pre-tax net operating income
$166Securities gains (losses)
$1,643Applicable income taxes
$3,438Income before extraordinary items
$0Extraordinary gains - net
$3,438Net income attributable to bank
$0Net charge-offs
$3,438Cash dividends
$4,570Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.84%Yield on earning assets
1.02%Cost of funding earning assets
3.82%Net interest margin
0.65%Noninterest income to earning assets
2.52%Noninterest expense to earning assets
0.63%Net operating income to assets
0.65%Return on assets (ROA)
0.96%Pretax return on assets
6.09%Return on equity (ROE)
6.09%Retained earnings to average equity (YTD only)
1.15%Net charge-offs to loans
101.53%Credit loss provision to net charge-offs
2.09%Efficiency ratio
56,453Assets per employee
7.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.44%Loss allowance to noncurrent loans
92.98%Noncurrent assets plus other real estate owned to assets
2.76%Noncurrent loans to loans
2.63%Net loans and leases to deposits
86.65%Net loans and leases to core deposits
107.86%Equity capital to assets
11.33%Core capital (leverage) ratio
11.73%Tier 1 risk-based capital ratio
13.60%Total risk-based capital ratio
Memoranda
$15Average assets
$527,079Average earning assets
$56,435Average equity
$491,010Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
362429
The Business Bank Of Saint Louis
8000 Maryland Avenue, Clayton, MO 63105
May 16, 2002
Full Service Brick and Mortar
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