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Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C-

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 December 31, 2013 St. Louis Bank had $29.28 million in non-current loans and owned real-estate with $39.57 million in equity and loan loss allowances on hand to cover it. This gives St. Louis Bank a Texas Ratio of 73.98% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for St. Louis Bank decreased slightly from 102.22% as of December 31, 2012 to 73.98% as of December 31, 2013, resulting in a positive change of 27.63%.This indicates that the balance sheet and financial strength for St. Louis Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
C+

In the past year, St. Louis Bank has decreased its total deposits by -$3.22 million, resulting in -0.9% 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 St. Louis Bank has shown is average.

Capitalization

GRADE:
B

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. St. Louis Bank has $400.1 million in assets with $39.57 million in equity, resulting in a capitalization level of 9.89%, which is above average.

Institution Statistics

Overall
FDIC Certificate #58018
Year Established2005
Employees43
Primary RegulatorFDIC
Assets and Liabilities
Assets$400.10 million
Loans$240.66 million
Deposits$353.24 million
Equity Capital$33.06 million
Loan Loss Allowance$6.51 million
Unbacked Noncurrent Loans$8.99 million
Real Estate Owned$20.29 million
Historic Data - December 2012
Assets$402.74 million
Equity Capital$33.61 million
Loan Loss Allowance$7.84 million
Unbacked Noncurrent Loans$8.99 million
Real Estate Owned$25.41 million
Profit Margin - Quarterly
Net Interest Margin2.99%
Return on Assets0.16%
Return on Equity1.89%
Interest Income$12.91 million
Rates

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St. Louis Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--Regular Savings
0.15%--Lil' League Savers
0.15%$25-IRA Savings

St. Louis Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$10k-Personal Money Market
0.15%$10k-Business Money Market

St. Louis Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$2,500-Senior Interest Checking
0.05%$1k-Interest Checking
0.05%$1k-Business Interest Checking

St. Louis Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.60%$100k-60 Month CD
1.40%$100k-48-59 Month CD
1.10%$100k-36-47 Month CD
0.85%$100k-24-35 Month CD
0.65%$100k-18-23 Month CD
0.55%$100k-12-17 Month CD
0.25%$100k-6-11 month CD
0.20%$100k-30-89 day CD
0.20%$100k-90-180 day CD

St. Louis Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$1k-60 Month IRA
1.30%$1k-48-59 Month IRA
1.00%$1k-36-47 Month IRA
0.75%$1k-24-35 Month IRA
0.55%$1k-18-23 Month IRA
0.45%$1k-12-17 Month IRA
0.15%$1k-6-11 Month IRA
0.10%$1k-90-180 Day IRA
Locations


St. Louis Bank Locations
St. Louis Bank14323 S. Outer 40 RdTown and Country, MO 63017