Sainte Marie State Bank in Ste. Marie, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Sainte Marie State Bank - Overview

  • General
  • FDIC Certificate #: 12086
    Status: Active
    Federal Reserve ID: 363442
    Date Established: January 01, 1900
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 7679
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Ste. Marie, IL 62459
    County: Jasper
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $19.1 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $14.5 mil
    Return on assets (ROA): 0.03% ($0.0 mil)
    Quarterly return on assets: 1.17% ($0.2 mil)
    Return on Equity (ROE): 0.11% ($0.0 mil)
    Quarterly return on equity: 5.04% ($0.2 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.02% ($3.8 mil)
    Quarterly Pretax return on assets: 1.15% ($219.3 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
  • 5Total employees (full-time equivalent)
  • $19,071Total assets
  • $5,049Cash and due from depository institutions
  • $240Interest-bearing balances
  • $3,595Securities
  • $761Federal funds sold & reverse repurchase agreements
  • $9,224Net loans & leases
  • $73Loan loss allowance
  • $0Trading account assets
  • $207Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $19,071Life insurance assets
  • $235All other assets
  • $14,590Total liabilities and capital
  • $14,542Total liabilities
  • $12,942Total deposits
  • $14,542Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $48Subordinated debt
  • $4,481All other liabilities
  • $4,481Total equity capital
  • $4,481Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,700Surplus
  • $2,481Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $31Income earned, not collected on loans
  • $0Earning assets
  • $109Long-term assets (5+ years)
  • $13,820Average Assets, year-to-date
  • $1,001Average Assets, quarterly
  • $19,017Volatile liabilities
  • $19,065Insider loans
  • $11,351FHLB advances
  • $19,199Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,459Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $2,277Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $607Total interest income
  • $233Total interest expense
  • $374Net interest income
  • $0Provision for loan and lease losses
  • $81Total noninterest income
  • $0Fiduciary activities
  • $9Service charges on deposit accounts
  • $0Trading account gains & fees
  • $72Additional noninterest income
  • $452Total noninterest expense
  • $223Salaries and employee benefits
  • $82Premises and equipment expense
  • $147Additional noninterest expense
  • $3Pre-tax net operating income
  • $0Securities gains (losses)
  • -$2Applicable income taxes
  • $5Income before extraordinary items
  • $0Extraordinary gains - net
  • $5Net income attributable to bank
  • $0Net charge-offs
  • $5Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.71%Yield on earning assets
  • 1.42%Cost of funding earning assets
  • 2.28%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 0.03%Net operating income to assets
  • 0.03%Return on assets (ROA)
  • 0.02%Pretax return on assets
  • 0.11%Return on equity (ROE)
  • 0.11%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 99,341Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.79%Loss allowance to noncurrent loans
  • 235.48%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 63.43%Net loans and leases to core deposits
  • 64.75%Equity capital to assets
  • 23.50%Core capital (leverage) ratio
  • 23.23%Tier 1 risk-based capital ratio
  • 39.28%Total risk-based capital ratio
  • Memoranda
  • $40Average assets
  • $19,017Average earning assets
  • $4,391Average equity
  • $16,377Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07679Sainte Marie State BankMain Street, Ste. Marie, IL 62459January 01, 1900Full Service Brick and Mortar

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