First National Bank of St. Louis

First National Bank of St. Louis is headquartered in Clayton and is the 12^st largest bank in the state of Missouri. It is also the 446^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 228 employees at 16 locations. First National Bank of St. Louis has a 4-star health rating.

First National Bank of St. Louis Routing Number: 081004601

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Data for Q1 2012

Institution Statistics First National Bank of St. Louis FDIC Certificate # 4534 BankRate Report View Year Established 1902 Employees 228 Primary Regulator OCC Assets and Liabilities Assets $1.49 billion Loans $1.04 billion Deposits $1.05 billion Equity Capital $168.38 million Loan Loss Allowance $22.06 million Unbacked Noncurrent Loans $25.99 million Real Estate Owned $11.10 million Historic Data - March 2011 Assets $1.44 billion Equity Capital $162.92 million Loan Loss Allowance $23.93 million Unbacked Noncurrent Loans $26.00 million Real Estate Owned $2.74 million Profit Margin - Quarterly Net Interest Margin 4.3% Return on Assets 1.39% Return on Equity 11.64% Interest Income $14.90 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First National Bank of St. Louis had $37.09 million in non-current loans and owned real-estate with $190.44 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of St. Louis a Texas Ratio of 19.47% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank of St. Louis held steady from 15.38% as of March 31, 2011 to 19.47% as of March 31, 2012, resulting in a negative change of 26.59%. This indicates that the balance sheet and financial strength for First National Bank of St. Louis has held steady in recent periods. Deposit Growth In the past year, First National Bank of St. Louis has increased its total deposits by $29.09 million, resulting in 2.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of St. Louis has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of St. Louis has $1.49 billion in assets with $190.44 million in equity, resulting in a capitalization level of 12.80%, which is excellent.

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