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

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
    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
  • 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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