FDIC Certificate #: 58121 Status: Active Federal Reserve ID: 3374382 Bank Holding Company (Regulatory Top Holder): Triad Bancorp, Inc. (RSSDID: 3722376, Location: Frontenac, MO) Date Established: October 24, 2005 WWW:http://www.triadbanking.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 #: 440110 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: October 24, 2005 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: 10375 Clayton Road, Frontenac, MO 63131 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: $197.7 mil Equity capital: $20.3 mil Deposits held in domestic offices: $155.5 mil Return on assets (ROA): 0.40% ($0.8 mil) Quarterly return on assets: 0.75% ($1.5 mil) Return on Equity (ROE): 4.00% ($0.8 mil) Quarterly return on equity: 7.28% ($1.5 mil) Net income: $0.8 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.64% ($1,265.4 mil) Quarterly Pretax return on assets: 1.16% ($2,293.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
24Total employees (full-time equivalent)
$197,715Total assets
$9,265Cash and due from depository institutions
$5,379Interest-bearing balances
$27,987Securities
$0Federal funds sold & reverse repurchase agreements
$153,197Net loans & leases
$2,960Loan loss allowance
$0Trading account assets
$1,229Bank premises and fixed assets
$2,865Other real estate owned
$0Goodwill and other intangibles
$197,715Life insurance assets
$3,172All other assets
$177,427Total liabilities and capital
$155,475Total liabilities
$136,085Total deposits
$155,475Interest-bearing deposits
$84Deposits held in domestic offices
1280.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$20,400Trading liabilities
$0Other borrowed funds
$272Subordinated debt
$20,288All other liabilities
$20,288Total equity capital
$20,288Total bank equity capital
$0Perpetual preferred stock
$6,628Common stock
$13,365Surplus
$295Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,079Income earned, not collected on loans
$0Earning assets
$617Long-term assets (5+ years)
$186,563Average Assets, year-to-date
$32,423Average Assets, quarterly
$187,513Volatile liabilities
$195,270Insider loans
$163,803FHLB advances
$197,912Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$20,162Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,697Restructured Loans and leases
$11,601Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$9,022Total interest income
$2,092Total interest expense
$6,930Net interest income
$1,461Provision for loan and lease losses
$387Total noninterest income
$0Fiduciary activities
$119Service charges on deposit accounts
$0Trading account gains & fees
$268Additional noninterest income
$4,649Total noninterest expense
$2,606Salaries and employee benefits
$482Premises and equipment expense
$1,561Additional noninterest expense
$1,207Pre-tax net operating income
$0Securities gains (losses)
$454Applicable income taxes
$753Income before extraordinary items
$0Extraordinary gains - net
$753Net income attributable to bank
$0Net charge-offs
$753Cash dividends
$1,323Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.09%Yield on earning assets
1.18%Cost of funding earning assets
3.91%Net interest margin
0.22%Noninterest income to earning assets
2.62%Noninterest expense to earning assets
0.40%Net operating income to assets
0.40%Return on assets (ROA)
0.64%Pretax return on assets
4.00%Return on equity (ROE)
4.00%Retained earnings to average equity (YTD only)
0.88%Net charge-offs to loans
110.43%Credit loss provision to net charge-offs
2.02%Efficiency ratio
63,537Assets per employee
8.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.90%Loss allowance to noncurrent loans
142.38%Noncurrent assets plus other real estate owned to assets
2.50%Noncurrent loans to loans
1.33%Net loans and leases to deposits
98.53%Net loans and leases to core deposits
118.61%Equity capital to assets
10.26%Core capital (leverage) ratio
10.19%Tier 1 risk-based capital ratio
12.31%Total risk-based capital ratio
Memoranda
$14Average assets
$187,513Average earning assets
$18,802Average equity
$177,397Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
440110
Triad Bank
10375 Clayton Road, Frontenac, MO 63131
October 24, 2005
Full Service Brick and Mortar
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