St. Johns Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.9) profitability. A current level of 18.4 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Weak asset quality (2.6).
Asset Mix:
Comm re (37%), securities (19%), home mtgs (11%), comm loans (6%), consumer loans (1%), cash (1%), home eq lns (1%), other (23%)
States with Branches:
MO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Unity Bancshares, L.L.C.
Investment Rating
--
Address
8924 Saint Charles Rock Road
Saint Louis, MO 63114
Saint Louis, MO 63114
Phone Number
(314) 428-1000
Year Founded
1926
FDIC Number
Website
Largest Affiliates
No affiliate information available.