Sentry Bank in Saint Joseph, Minnesota (MN)

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Sentry Bank
GeneralFDIC Certificate #: 8546
Status: Active
Federal Reserve ID: 746157
Bank Holding Company (Regulatory Top Holder): Saint Joseph Bancshares Acquisitions, Inc. (RSSDID: 3348011, Location: Saint Joseph, MN)
Date Established: November 04, 1904
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 #: 5454
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 01, 1934
Last Structure Change Effective Date: January 01, 2011
Last Structure Change Process Date: January 05, 2011
Last Data Update: January 05, 2011
Data Source Date: April 05, 2012
LocationAddress: 400 4th Avenue Ne, Saint Joseph, MN 56374
County: Stearns
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Minneapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): St. Cloud, MN (#6980)
Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
Core Based Statistical Area (CBSA): St. Cloud, MN (#41060)
CBSA Metro Statistical Area: St. Cloud, MN (#41060)
History of ChangesName Change
Financial SummaryTotal assets: $159.9 mil
Equity capital: $21.5 mil
Deposits held in domestic offices: $119.8 mil
Return on assets (ROA): 1.81% ($2.9 mil)
Quarterly return on assets: 1.85% ($3.0 mil)
Return on Equity (ROE): 13.47% ($3.0 mil)
Quarterly return on equity: 13.69% ($3.0 mil)
Net income: $2.8 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.81% ($2,894.9 mil)
Quarterly Pretax return on assets: 1.85% ($2,958.9 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)27
Total assets$159,938
Cash and due from depository institutions$10,525
Interest-bearing balances$5,279
Federal funds sold & reverse repurchase agreements$4,245
Net loans & leases$84,856
Loan loss allowance $2,241
Trading account assets$0
Bank premises and fixed assets$4,516
Other real estate owned$1,582
Goodwill and other intangibles$7,037
All other assets$3,862
Life insurance assets$159,938
Total liabilities and capital$138,429
Total liabilities$119,773
Total deposits$102,445
Interest-bearing deposits$119,773
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$18,272
Other borrowed funds $0
Subordinated debt $384
All other liabilities $21,509
Total equity capital$21,509
Total bank equity capital$21,509
Perpetual preferred stock$0
Common stock$100
Undivided profits $8,509
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 $812
Earning assets $0
Long-term assets (5+ years) $650
Average Assets, year-to-date $137,695
Average Assets, quarterly $35,317
Volatile liabilities $153,435
Insider loans $157,149
FHLB advances $98,501
Loans and leases held for sale $145,844
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,364
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,898
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,110
Total interest expense $1,687
Net interest income $5,423
Provision for loan and lease losses $294
Total noninterest income $562
Fiduciary activities $0
Service charges on deposit accounts $240
Trading account gains & fees $0
Additional noninterest income $322
Total noninterest expense $2,918
Salaries and employee benefits $1,600
Premises and equipment expense $480
Additional noninterest expense $838
Pre-tax net operating income $2,773
Securities gains (losses) $0
Applicable income taxes $2
Income before extraordinary items $2,771
Extraordinary gains - net $0
Net income attributable to bank $2,771
Net charge-offs $0
Cash dividends $2,771
Sale, conversion, retirement of capital stock, net $166
Net operating income $2,421
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.36%
Cost of funding earning assets 1.27%
Net interest margin 4.09%
Noninterest income to earning assets 0.42%
Noninterest expense to earning assets 2.20%
Net operating income to assets 1.81%
Return on assets (ROA) 1.81%
Pretax return on assets 1.81%
Return on equity (ROE) 13.47%
Retained earnings to average equity (YTD only) 1.70%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 177.11%
Efficiency ratio18.48%
Assets per employee$48,755
Cash dividends to net income (YTD only)5.92%
Condition Ratios (%)
Loss allowance to loans 87.37%
Loss allowance to noncurrent loans 2.57%
Noncurrent assets plus other real estate owned to assets 275.99%
Noncurrent loans to loans 1.50%
Net loans and leases to deposits0.93%
Net loans and leases to core deposits 70.85%
Equity capital to assets 74.85%
Core capital (leverage) ratio 13.45%
Tier 1 risk-based capital ratio 9.16%
Total risk-based capital ratio 13.57%
Average assets$15
Average earning assets$153,435
Average equity $20,575
Average loans $132,714
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3 Minnesota Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05454Sentry Bank400 4th Avenue Ne, Saint Joseph, MN 56374November 04, 1904Full Service Brick and Mortar
111502St. Stephen State Bank Branch2 Central Ave. So., Saint Stephen, MN 56375October 01, 1920Full Service Brick and Mortar
2359987Saint Cloud Branch4350 8th Street North, Saint Cloud, MN 56303July 20, 2000Full Service Brick and Mortar
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