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Overview / Commentary
800-468-2224
7707 Forsyth Boulevard
Clayton, MO 63105

First National Bank of St. Louis is headquartered in Clayton and is the 14st largest bank in the state of Missouri. It is also the 448th largest bank in the nation. It was established in 1902 and as of March of 2014, it had grown to 234 employees at 16 locations. First National Bank of St. Louis has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First National Bank of St. Louis had $19.61 million in non-current loans and owned real-estate with $189.24 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of St. Louis a Texas Ratio of 10.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for First National Bank of St. Louis decreased dramatically from 14.92% as of March 31, 2013 to 10.36% as of March 31, 2014, resulting in a positive change of 30.57%.This indicates that the balance sheet and financial strength for First National Bank of St. Louis has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, First National Bank of St. Louis has increased its total deposits by $58.68 million, resulting in 5.31% 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 excellent.

Capitalization

GRADE:
A+

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 $1.57 billion in assets with $189.24 million in equity, resulting in a capitalization level of 12.08%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #4534
Year Established1902
Employees234
Primary RegulatorOCC
Assets and Liabilities
Assets$1.57 billion
Loans$1.09 billion
Deposits$1.16 billion
Equity Capital$166.56 million
Loan Loss Allowance$22.68 million
Unbacked Noncurrent Loans$14.69 million
Real Estate Owned$4.91 million
Historic Data - March 2013
Assets$1.52 billion
Equity Capital$168.94 million
Loan Loss Allowance$22.20 million
Unbacked Noncurrent Loans$14.69 million
Real Estate Owned$5.77 million
Profit Margin - Quarterly
Net Interest Margin3.76%
Return on Assets1.35%
Return on Equity12.09%
Interest Income$13.51 million
Rates

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Locations

First National Bank of St. Louis has 16 locations. Click to view all First National Bank of St. Louis locations.