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

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Bank of St. Elizabeth routing number info

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Bank of St. Elizabeth
GeneralFDIC 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
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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)24
Total assets$96,317
Cash and due from depository institutions$13,458
Interest-bearing balances$9,696
Federal funds sold & reverse repurchase agreements$1,678
Net loans & leases$73,057
Loan loss allowance $621
Trading account assets$0
Bank premises and fixed assets$886
Other real estate owned$76
Goodwill and other intangibles$3,219
All other assets$1,079
Life insurance assets$96,317
Total liabilities and capital$85,649
Total liabilities$81,333
Total deposits$64,853
Interest-bearing deposits$81,333
Deposits held in domestic offices$97
% insured (estimated)1000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,100
Other borrowed funds $0
Subordinated debt $216
All other liabilities $10,668
Total equity capital$10,668
Total bank equity capital$10,668
Perpetual preferred stock$0
Common stock$60
Undivided profits $2,595
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $570
Earning assets $0
Long-term assets (5+ years) $433
Average Assets, year-to-date $87,295
Average Assets, quarterly $7,146
Volatile liabilities $99,280
Insider loans $97,688
FHLB advances $74,097
Loans and leases held for sale $94,541
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,440
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,080
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,204
Total interest expense $1,015
Net interest income $4,189
Provision for loan and lease losses $411
Total noninterest income $805
Fiduciary activities $0
Service charges on deposit accounts $400
Trading account gains & fees $0
Additional noninterest income $405
Total noninterest expense $2,698
Salaries and employee benefits $1,597
Premises and equipment expense $148
Additional noninterest expense $953
Pre-tax net operating income $1,885
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,885
Extraordinary gains - net $0
Net income attributable to bank $1,885
Net charge-offs $0
Cash dividends $1,885
Sale, conversion, retirement of capital stock, net $411
Net operating income $1,888
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.71%
Cost of funding earning assets 1.11%
Net interest margin 4.59%
Noninterest income to earning assets 0.88%
Noninterest expense to earning assets 2.96%
Net operating income to assets 1.90%
Return on assets (ROA) 1.90%
Pretax return on assets 1.90%
Return on equity (ROE) 17.87%
Retained earnings to average equity (YTD only) -0.03%
Net charge-offs to loans 0.56%
Credit loss provision to net charge-offs 100.00%
Efficiency ratio5.59%
Assets per employee$51,942
Cash dividends to net income (YTD only)4.01%
Condition Ratios (%)
Loss allowance to loans 100.16%
Loss allowance to noncurrent loans 0.84%
Noncurrent assets plus other real estate owned to assets 108.95%
Noncurrent loans to loans 0.67%
Net loans and leases to deposits0.77%
Net loans and leases to core deposits 89.82%
Equity capital to assets 91.97%
Core capital (leverage) ratio 11.08%
Tier 1 risk-based capital ratio 7.87%
Total risk-based capital ratio 10.04%
Average assets$11
Average earning assets$99,280
Average equity $10,551
Average loans $91,180
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3 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07779Bank Of St. Elizabeth215 Main Street, Saint Elizabeth, MO 65075January 02, 1914Full Service Brick and Mortar
1226727Drive-In BranchRoute 1, Eugene, Marys Home, MO 65075June 04, 1973Full Service Brick and Mortar
27933Bank Of Freeburg BranchOld Vienna Road And Highway 63 South, Freeburg, MO 65035May 05, 1905Full Service Brick and Mortar
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