Sentry Bank in Saint Joseph, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Sentry Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Name Change
  • Financial Summary
  • Total 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
  • 27Total employees (full-time equivalent)
  • $159,938Total assets
  • $10,525Cash and due from depository institutions
  • $5,279Interest-bearing balances
  • $43,315Securities
  • $4,245Federal funds sold & reverse repurchase agreements
  • $84,856Net loans & leases
  • $2,241Loan loss allowance
  • $0Trading account assets
  • $4,516Bank premises and fixed assets
  • $1,582Other real estate owned
  • $7,037Goodwill and other intangibles
  • $159,938Life insurance assets
  • $3,862All other assets
  • $138,429Total liabilities and capital
  • $119,773Total liabilities
  • $102,445Total deposits
  • $119,773Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $18,272Trading liabilities
  • $0Other borrowed funds
  • $384Subordinated debt
  • $21,509All other liabilities
  • $21,509Total equity capital
  • $21,509Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $12,900Surplus
  • $8,509Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $812Income earned, not collected on loans
  • $0Earning assets
  • $650Long-term assets (5+ years)
  • $137,695Average Assets, year-to-date
  • $35,317Average Assets, quarterly
  • $153,435Volatile liabilities
  • $157,149Insider loans
  • $98,501FHLB advances
  • $145,844Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,364Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,898Restructured Loans and leases
  • $3,970Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,110Total interest income
  • $1,687Total interest expense
  • $5,423Net interest income
  • $294Provision for loan and lease losses
  • $562Total noninterest income
  • $0Fiduciary activities
  • $240Service charges on deposit accounts
  • $0Trading account gains & fees
  • $322Additional noninterest income
  • $2,918Total noninterest expense
  • $1,600Salaries and employee benefits
  • $480Premises and equipment expense
  • $838Additional noninterest expense
  • $2,773Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $2,771Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,771Net income attributable to bank
  • $0Net charge-offs
  • $2,771Cash dividends
  • $166Sale, conversion, retirement of capital stock, net
  • $2,421Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.20%Noninterest expense to earning assets
  • 1.81%Net operating income to assets
  • 1.81%Return on assets (ROA)
  • 1.81%Pretax return on assets
  • 13.47%Return on equity (ROE)
  • 1.70%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 177.11%Credit loss provision to net charge-offs
  • 18.48%Efficiency ratio
  • 48,755Assets per employee
  • 5.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.37%Loss allowance to loans
  • 2.57%Loss allowance to noncurrent loans
  • 275.99%Noncurrent assets plus other real estate owned to assets
  • 1.50%Noncurrent loans to loans
  • 0.93%Net loans and leases to deposits
  • 70.85%Net loans and leases to core deposits
  • 74.85%Equity capital to assets
  • 13.45%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 13.57%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $153,435Average earning assets
  • $20,575Average equity
  • $132,714Average loans

List of branches

  • 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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