Bank of St. Elizabeth in city_name, state_name - Detailed Financial Reports, Location

Bank of St. Elizabeth in Saint Elizabeth, Missouri (MO)
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Bank of St. Elizabeth routing number info

Bank of St. Elizabeth - Overview

General
FDIC Certificate #: 12236
Status: Active
Federal Reserve ID: 456250
Bank Holding Company (Regulatory Top Holder): Saint Elizabeth Bancshares, Inc. (RSSDID: 2851279, Location: Saint Elizabeth, MO)
Date Established: January 02, 1914
WWW: http://www.stebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 7779
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: September 05, 2008
Last Structure Change Process Date: September 08, 2008
Last Data Update: September 08, 2008
Data Source Date: April 05, 2012
Location
Address: 215 Main Street, Saint Elizabeth, MO 65075
County: Miller
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Columbia Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of Changes
Change in Location
Financial Summary
Total assets: $96.3 mil
Equity capital: $10.7 mil
Deposits held in domestic offices: $81.3 mil
Return on assets (ROA): 1.90% ($1.8 mil)
Quarterly return on assets: 1.23% ($1.2 mil)
Return on Equity (ROE): 17.87% ($2.0 mil)
Quarterly return on equity: 11.40% ($1.3 mil)
Net income: $1.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.90% ($1,830.0 mil)
Quarterly Pretax return on assets: 1.23% ($1,184.7 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
24Total employees (full-time equivalent)
$96,317Total assets
$13,458Cash and due from depository institutions
$9,696Interest-bearing balances
$2,864Securities
$1,678Federal funds sold & reverse repurchase agreements
$73,057Net loans & leases
$621Loan loss allowance
$0Trading account assets
$886Bank premises and fixed assets
$76Other real estate owned
$3,219Goodwill and other intangibles
$96,317Life insurance assets
$1,079All other assets
$85,649Total liabilities and capital
$81,333Total liabilities
$64,853Total deposits
$81,333Interest-bearing deposits
$97Deposits held in domestic offices
1000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,100Trading liabilities
$0Other borrowed funds
$216Subordinated debt
$10,668All other liabilities
$10,668Total equity capital
$10,668Total bank equity capital
$0Perpetual preferred stock
$60Common stock
$8,013Surplus
$2,595Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$570Income earned, not collected on loans
$0Earning assets
$433Long-term assets (5+ years)
$87,295Average Assets, year-to-date
$7,146Average Assets, quarterly
$99,280Volatile liabilities
$97,688Insider loans
$74,097FHLB advances
$94,541Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,440Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,080Restructured Loans and leases
$580Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,204Total interest income
$1,015Total interest expense
$4,189Net interest income
$411Provision for loan and lease losses
$805Total noninterest income
$0Fiduciary activities
$400Service charges on deposit accounts
$0Trading account gains & fees
$405Additional noninterest income
$2,698Total noninterest expense
$1,597Salaries and employee benefits
$148Premises and equipment expense
$953Additional noninterest expense
$1,885Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,885Income before extraordinary items
$0Extraordinary gains - net
$1,885Net income attributable to bank
$0Net charge-offs
$1,885Cash dividends
$411Sale, conversion, retirement of capital stock, net
$1,888Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.71%Yield on earning assets
1.11%Cost of funding earning assets
4.59%Net interest margin
0.88%Noninterest income to earning assets
2.96%Noninterest expense to earning assets
1.90%Net operating income to assets
1.90%Return on assets (ROA)
1.90%Pretax return on assets
17.87%Return on equity (ROE)
-0.03%Retained earnings to average equity (YTD only)
0.56%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
5.59%Efficiency ratio
51,942Assets per employee
4.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
100.16%Loss allowance to loans
0.84%Loss allowance to noncurrent loans
108.95%Noncurrent assets plus other real estate owned to assets
0.67%Noncurrent loans to loans
0.77%Net loans and leases to deposits
89.82%Net loans and leases to core deposits
91.97%Equity capital to assets
11.08%Core capital (leverage) ratio
7.87%Tier 1 risk-based capital ratio
10.04%Total risk-based capital ratio
Memoranda
$11Average assets
$99,280Average earning assets
$10,551Average equity
$91,180Average loans

List of branches

3 Missouri Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7779	Bank Of St. Elizabeth	215 Main Street, Saint Elizabeth, MO 65075	January 02, 1914	Full Service Brick and Mortar
1	226727	Drive-In Branch	Route 1, Eugene, Marys Home, MO 65075	June 04, 1973	Full Service Brick and Mortar
2	7933	Bank Of Freeburg Branch	Old Vienna Road And Highway 63 South, Freeburg, MO 65035	May 05, 1905	Full Service Brick and Mortar

Bank of St. Elizabeth in Saint Elizabeth, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of St. Elizabeth - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of St. Elizabeth in Saint Elizabeth, Missouri (MO)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of St. Elizabeth - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of St. Elizabeth in Saint Elizabeth, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches