St. Ansgar State Bank in Saint Ansgar, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

St. Ansgar State Bank - Overview

  • General
  • FDIC Certificate #: 17259
    Status: Active
    Federal Reserve ID: 115146
    Bank Holding Company (Regulatory Top Holder): St. Ansgar Bancorporation (RSSDID: 1208728, Location: Saint Ansgar, IA)
    Date Established: March 28, 1891
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15573
    FDIC's unique #: 11283
    Numeric code: 13
    Regulator: FED
    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: September 01, 1953
    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: 237 West 4th Street, Saint Ansgar, IA 50472
    County: Mitchell
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Des Moines
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $99.1 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $84.9 mil
    Return on assets (ROA): 1.62% ($1.6 mil)
    Quarterly return on assets: 2.07% ($2.0 mil)
    Return on Equity (ROE): 12.14% ($1.6 mil)
    Quarterly return on equity: 15.13% ($2.0 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.70% ($1,684.3 mil)
    Quarterly Pretax return on assets: 2.15% ($2,130.2 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
  • 21Total employees (full-time equivalent)
  • $99,079Total assets
  • $8,406Cash and due from depository institutions
  • $5,072Interest-bearing balances
  • $13,087Securities
  • $763Federal funds sold & reverse repurchase agreements
  • $73,675Net loans & leases
  • $679Loan loss allowance
  • $0Trading account assets
  • $369Bank premises and fixed assets
  • $975Other real estate owned
  • $0Goodwill and other intangibles
  • $99,079Life insurance assets
  • $1,804All other assets
  • $85,598Total liabilities and capital
  • $84,861Total liabilities
  • $68,036Total deposits
  • $84,861Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 446.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $150Trading liabilities
  • $0Other borrowed funds
  • $141Subordinated debt
  • $13,481All other liabilities
  • $13,481Total equity capital
  • $13,481Total bank equity capital
  • $0Perpetual preferred stock
  • $860Common stock
  • $3,140Surplus
  • $9,481Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $284Income earned, not collected on loans
  • $0Earning assets
  • $1,023Long-term assets (5+ years)
  • $92,597Average Assets, year-to-date
  • $14,990Average Assets, quarterly
  • $98,603Volatile liabilities
  • $97,685Insider loans
  • $76,070FHLB advances
  • $98,426Loans and leases held for sale
  • $75Unused loan commitments
  • $75Tier 1 (core) risk-based capital
  • $13,481Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,813Restructured Loans and leases
  • $6,628Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,536Total interest income
  • $719Total interest expense
  • $3,817Net interest income
  • $160Provision for loan and lease losses
  • $30Total noninterest income
  • $26Fiduciary activities
  • $133Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$129Additional noninterest income
  • $2,006Total noninterest expense
  • $1,391Salaries and employee benefits
  • $243Premises and equipment expense
  • $372Additional noninterest expense
  • $1,681Pre-tax net operating income
  • $0Securities gains (losses)
  • $79Applicable income taxes
  • $1,602Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,602Net income attributable to bank
  • $0Net charge-offs
  • $1,602Cash dividends
  • $156Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 2.16%Noninterest expense to earning assets
  • 1.62%Net operating income to assets
  • 1.62%Return on assets (ROA)
  • 1.70%Pretax return on assets
  • 12.14%Return on equity (ROE)
  • 3.81%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 102.56%Credit loss provision to net charge-offs
  • 11.80%Efficiency ratio
  • 52,145Assets per employee
  • 4.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.66%Loss allowance to loans
  • 0.91%Loss allowance to noncurrent loans
  • 239.08%Noncurrent assets plus other real estate owned to assets
  • 1.27%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 86.82%Net loans and leases to core deposits
  • 87.12%Equity capital to assets
  • 13.61%Core capital (leverage) ratio
  • 13.70%Tier 1 risk-based capital ratio
  • 17.72%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $98,603Average earning assets
  • $13,192Average equity
  • $92,899Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,517Managed Assets
  • 1Number of Accounts
  • $1,381Personal trust and agency accounts
  • $1,381Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 28Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $136Other retirement accounts
  • $136Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011283St. Ansgar State Bank237 West 4th Street, Saint Ansgar, IA 50472March 28, 1891Full Service Brick and Mortar
    13965Stacyville BranchBroad And Main, Stacyville, IA 50476January 01, 1911Full Service Brick and Mortar

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