Bank of St. Augustine in Saint Augustine, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of St. Augustine in Saint Augustine, Florida (FL)
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Bank of St. Augustine - Overview

  • General
  • FDIC Certificate #: 34413
    Status: Active
    Federal Reserve ID: 2597737
    Date Established: July 31, 1997
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14007
    FDIC's unique #: 57176
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 31, 1997
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 State Road 312 West, Saint Augustine, FL 32086
    County: St. Johns
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Gainesville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Jacksonville, FL (#3600)
    Core Based Statistical Area (CBSA): Jacksonville, FL (#27260)
    CBSA Metro Statistical Area: Jacksonville, FL (#27260)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $186.3 mil
    Equity capital: $13.3 mil
    Deposits held in domestic offices: $159.3 mil
    Return on assets (ROA): -0.22% (-$0.4 mil)
    Quarterly return on assets: -1.29% (-$2.4 mil)
    Return on Equity (ROE): -2.99% (-$0.4 mil)
    Quarterly return on equity: -17.80% (-$2.3 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -0.22% (-$409.9 mil)
    Quarterly Pretax return on assets: -1.29% (-$2,403.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 47Total employees (full-time equivalent)
  • $186,303Total assets
  • $13,391Cash and due from depository institutions
  • $9,216Interest-bearing balances
  • $25,669Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $135,779Net loans & leases
  • $2,414Loan loss allowance
  • $0Trading account assets
  • $5,615Bank premises and fixed assets
  • $3,483Other real estate owned
  • $65Goodwill and other intangibles
  • $186,303Life insurance assets
  • $2,301All other assets
  • $172,972Total liabilities and capital
  • $159,334Total liabilities
  • $135,161Total deposits
  • $159,334Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,482Trading liabilities
  • $0Other borrowed funds
  • $156Subordinated debt
  • $13,331All other liabilities
  • $13,331Total equity capital
  • $13,331Total bank equity capital
  • $0Perpetual preferred stock
  • $268Common stock
  • $9,546Surplus
  • $3,517Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,314Income earned, not collected on loans
  • $0Earning assets
  • $616Long-term assets (5+ years)
  • $170,664Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $184,096Volatile liabilities
  • $187,920Insider loans
  • $126,080FHLB advances
  • $186,045Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,073Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,787Restructured Loans and leases
  • $1,916Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,592Total interest income
  • $1,762Total interest expense
  • $5,830Net interest income
  • $1,737Provision for loan and lease losses
  • $593Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $593Additional noninterest income
  • $5,244Total noninterest expense
  • $2,367Salaries and employee benefits
  • $1,215Premises and equipment expense
  • $1,662Additional noninterest expense
  • -$558Pre-tax net operating income
  • $151Securities gains (losses)
  • $0Applicable income taxes
  • -$407Income before extraordinary items
  • $0Extraordinary gains - net
  • -$407Net income attributable to bank
  • $0Net charge-offs
  • -$407Cash dividends
  • $1,546Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • -0.30%Net operating income to assets
  • -0.22%Return on assets (ROA)
  • -0.22%Pretax return on assets
  • -2.99%Return on equity (ROE)
  • -2.99%Retained earnings to average equity (YTD only)
  • 1.13%Net charge-offs to loans
  • 112.35%Credit loss provision to net charge-offs
  • 0.76%Efficiency ratio
  • 81,037Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 55.96%Noncurrent assets plus other real estate owned to assets
  • 4.19%Noncurrent loans to loans
  • 3.12%Net loans and leases to deposits
  • 85.22%Net loans and leases to core deposits
  • 100.51%Equity capital to assets
  • 7.16%Core capital (leverage) ratio
  • 7.03%Tier 1 risk-based capital ratio
  • 10.37%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $184,096Average earning assets
  • $13,607Average equity
  • $168,087Average loans

List of branches

  • 4 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057176Bank Of St. Augustine120 State Road 312 West, Saint Augustine, FL 32086July 31, 1997Full Service Brick and Mortar
    1433553St. Augustine Branch900 State Road 16, Saint Augustine, FL 32084November 18, 2004Full Service Brick and Mortar
    2492549St Augustine Branch1975 A1a S, Saint Augustine, FL 32080July 23, 2007Full Service Brick and Mortar
    3495545King Street Branch81 King St, Saint Augustine, FL 32084March 30, 2009Full Service Brick and Mortar

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