St James Federal Savings and Loan Association in Saint James, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • St James Federal Savings and Loan Association in Saint James, Minnesota (MN)
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St James Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 31071
    Status: Active
    Federal Reserve ID: 799470
    Date Established: January 01, 1958
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 6335
    FDIC's unique #: 43905
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 05, 1959
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 501 1st Ave S, Saint James, MN 56081
    County: Watonwan
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Mankato
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $26.7 mil
    Equity capital: $2.4 mil
    Deposits held in domestic offices: $24.2 mil
    Return on assets (ROA): 0.50% ($0.1 mil)
    Quarterly return on assets: 0.55% ($0.1 mil)
    Return on Equity (ROE): 5.48% ($0.1 mil)
    Quarterly return on equity: 6.04% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.78% ($208.1 mil)
    Quarterly Pretax return on assets: 0.92% ($245.5 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
  • 7Total employees (full-time equivalent)
  • $26,683Total assets
  • $5,717Cash and due from depository institutions
  • $4,234Interest-bearing balances
  • $1,280Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $19,095Net loans & leases
  • $288Loan loss allowance
  • $0Trading account assets
  • $247Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $26,683Life insurance assets
  • $344All other assets
  • $24,280Total liabilities and capital
  • $24,206Total liabilities
  • $22,466Total deposits
  • $24,206Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $74Subordinated debt
  • $2,403All other liabilities
  • $2,403Total equity capital
  • $2,403Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $2,403Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $150Income earned, not collected on loans
  • $0Earning assets
  • $162Long-term assets (5+ years)
  • $24,609Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $25,678Volatile liabilities
  • $26,133Insider loans
  • $17,907FHLB advances
  • $26,683Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,403Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,673Restructured Loans and leases
  • $367Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,289Total interest income
  • $303Total interest expense
  • $986Net interest income
  • $60Provision for loan and lease losses
  • $60Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $60Additional noninterest income
  • $787Total noninterest expense
  • $467Salaries and employee benefits
  • $157Premises and equipment expense
  • $163Additional noninterest expense
  • $199Pre-tax net operating income
  • $1Securities gains (losses)
  • $72Applicable income taxes
  • $128Income before extraordinary items
  • $0Extraordinary gains - net
  • $128Net income attributable to bank
  • $0Net charge-offs
  • $128Cash dividends
  • -$9Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.41%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 5.48%Return on equity (ROE)
  • 5.48%Retained earnings to average equity (YTD only)
  • -0.05%Net charge-offs to loans
  • -666.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 75,239Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 192.00%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.77%Net loans and leases to deposits
  • 78.89%Net loans and leases to core deposits
  • 82.35%Equity capital to assets
  • 9.01%Core capital (leverage) ratio
  • 9.01%Tier 1 risk-based capital ratio
  • 13.42%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $25,678Average earning assets
  • $2,335Average equity
  • $23,844Average loans

List of branches

  • 1 Minnesota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043905St James Federal Savings And Loan As501 1st Ave S, Saint James, MN 56081January 01, 1958Full Service Brick and Mortar

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