STC Capital Bank in Saint Charles, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

STC Capital Bank - Overview

  • General
  • FDIC Certificate #: 58127
    Status: Active
    Federal Reserve ID: 3371309
    Bank Holding Company (Regulatory Top Holder): Stc Bancshares Corp. (RSSDID: 3371297, Location: Saint Charles, IL)
    Date Established: January 17, 2006
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 440164
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 17, 2006
    Last Structure Change Effective Date: September 24, 2007
    Last Structure Change Process Date: October 09, 2007
    Last Data Update: October 09, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 460 1st Street, Saint Charles, IL 60174
    County: Kane
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $177.7 mil
    Equity capital: $22.5 mil
    Deposits held in domestic offices: $154.5 mil
    Return on assets (ROA): 0.27% ($0.5 mil)
    Quarterly return on assets: 0.00% ($0.0 mil)
    Return on Equity (ROE): 1.94% ($0.4 mil)
    Quarterly return on equity: -0.02% (-$0.0 mil)
    Net income: $0.4 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.27% ($479.8 mil)
    Quarterly Pretax return on assets: 0.00% ($0.0 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
  • 30Total employees (full-time equivalent)
  • $177,694Total assets
  • $31,376Cash and due from depository institutions
  • $23,483Interest-bearing balances
  • $32,592Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $101,329Net loans & leases
  • $2,522Loan loss allowance
  • $0Trading account assets
  • $5,939Bank premises and fixed assets
  • $5,024Other real estate owned
  • $0Goodwill and other intangibles
  • $177,694Life insurance assets
  • $1,434All other assets
  • $155,226Total liabilities and capital
  • $154,509Total liabilities
  • $99,843Total deposits
  • $154,509Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $717Subordinated debt
  • $22,468All other liabilities
  • $22,468Total equity capital
  • $22,468Total bank equity capital
  • $0Perpetual preferred stock
  • $3Common stock
  • $20,497Surplus
  • $1,968Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,947Income earned, not collected on loans
  • $0Earning assets
  • $508Long-term assets (5+ years)
  • $157,404Average Assets, year-to-date
  • $29,087Average Assets, quarterly
  • $162,115Volatile liabilities
  • $167,658Insider loans
  • $118,821FHLB advances
  • $172,039Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,231Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,016Restructured Loans and leases
  • $6,552Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,722Total interest income
  • $889Total interest expense
  • $5,833Net interest income
  • $1,196Provision for loan and lease losses
  • -$103Total noninterest income
  • $0Fiduciary activities
  • $152Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$255Additional noninterest income
  • $4,452Total noninterest expense
  • $2,322Salaries and employee benefits
  • $539Premises and equipment expense
  • $1,591Additional noninterest expense
  • $82Pre-tax net operating income
  • $362Securities gains (losses)
  • $9Applicable income taxes
  • $435Income before extraordinary items
  • $0Extraordinary gains - net
  • $435Net income attributable to bank
  • $0Net charge-offs
  • $435Cash dividends
  • $988Sale, conversion, retirement of capital stock, net
  • $219Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.04%Net interest margin
  • -0.07%Noninterest income to earning assets
  • 3.08%Noninterest expense to earning assets
  • 0.05%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.27%Pretax return on assets
  • 1.94%Return on equity (ROE)
  • 0.97%Retained earnings to average equity (YTD only)
  • 0.93%Net charge-offs to loans
  • 121.05%Credit loss provision to net charge-offs
  • 1.29%Efficiency ratio
  • 77,696Assets per employee
  • 5.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.34%Loss allowance to loans
  • 2.43%Loss allowance to noncurrent loans
  • 42.41%Noncurrent assets plus other real estate owned to assets
  • 6.17%Noncurrent loans to loans
  • 5.73%Net loans and leases to deposits
  • 65.58%Net loans and leases to core deposits
  • 71.25%Equity capital to assets
  • 12.64%Core capital (leverage) ratio
  • 12.92%Tier 1 risk-based capital ratio
  • 18.71%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $162,115Average earning assets
  • $22,372Average equity
  • $144,494Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0440164Stc Capital Bank460 1st Street, Saint Charles, IL 60174January 17, 2006Full Service Brick and Mortar
    1478363Foxfield Office Branch2825 Foxfield Dr, Saint Charles, IL 60174January 15, 2008Full Service Brick and Mortar

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