State Bank of St. Jacob in Saint Jacob, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of St. Jacob - Overview

  • General
  • FDIC Certificate #: 5730
    Status: Active
    Federal Reserve ID: 362940
    Bank Holding Company (Regulatory Top Holder): St. Jacob Bancshares, Inc. (RSSDID: 3957552, Location: Saint Jacob, IL)
    Date Established: November 03, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3905
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 W Fourth Street, Saint Jacob, IL 62281
    County: Madison
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $49.6 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $41.7 mil
    Return on assets (ROA): 1.41% ($0.7 mil)
    Quarterly return on assets: 0.28% ($0.1 mil)
    Return on Equity (ROE): 9.79% ($0.7 mil)
    Quarterly return on equity: 1.87% ($0.1 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.43% ($709.3 mil)
    Quarterly Pretax return on assets: 0.29% ($143.8 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
  • 11Total employees (full-time equivalent)
  • $49,602Total assets
  • $3,240Cash and due from depository institutions
  • $1,587Interest-bearing balances
  • $14,163Securities
  • $4,693Federal funds sold & reverse repurchase agreements
  • $25,332Net loans & leases
  • $538Loan loss allowance
  • $0Trading account assets
  • $326Bank premises and fixed assets
  • $94Other real estate owned
  • $0Goodwill and other intangibles
  • $49,602Life insurance assets
  • $1,754All other assets
  • $42,217Total liabilities and capital
  • $41,656Total liabilities
  • $34,325Total deposits
  • $41,656Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $561Subordinated debt
  • $7,385All other liabilities
  • $7,385Total equity capital
  • $7,385Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,400Surplus
  • $5,885Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $79Income earned, not collected on loans
  • $0Earning assets
  • $236Long-term assets (5+ years)
  • $45,775Average Assets, year-to-date
  • $5,244Average Assets, quarterly
  • $50,094Volatile liabilities
  • $50,345Insider loans
  • $26,577FHLB advances
  • $50,040Loans and leases held for sale
  • $1,406Unused loan commitments
  • $1,406Tier 1 (core) risk-based capital
  • $7,084Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $673Restructured Loans and leases
  • $169Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,998Total interest income
  • $357Total interest expense
  • $1,641Net interest income
  • $100Provision for loan and lease losses
  • $187Total noninterest income
  • $0Fiduciary activities
  • $53Service charges on deposit accounts
  • $0Trading account gains & fees
  • $134Additional noninterest income
  • $1,013Total noninterest expense
  • $681Salaries and employee benefits
  • $115Premises and equipment expense
  • $217Additional noninterest expense
  • $715Pre-tax net operating income
  • $0Securities gains (losses)
  • $10Applicable income taxes
  • $705Income before extraordinary items
  • $0Extraordinary gains - net
  • $705Net income attributable to bank
  • $0Net charge-offs
  • $705Cash dividends
  • $74Sale, conversion, retirement of capital stock, net
  • $335Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.30%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.18%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 9.79%Return on equity (ROE)
  • 5.14%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 135.14%Credit loss provision to net charge-offs
  • 11.01%Efficiency ratio
  • 55,416Assets per employee
  • 4.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.52%Loss allowance to loans
  • 2.08%Loss allowance to noncurrent loans
  • 681.01%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.31%Net loans and leases to deposits
  • 60.81%Net loans and leases to core deposits
  • 63.57%Equity capital to assets
  • 14.89%Core capital (leverage) ratio
  • 14.16%Tier 1 risk-based capital ratio
  • 26.65%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $50,094Average earning assets
  • $7,201Average equity
  • $46,430Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03905State Bank Of St. Jacob102 W Fourth Street, Saint Jacob, IL 62281November 03, 1903Full Service Brick and Mortar
    1208072St. Jacob Branch702 North Douglas, St. Jacob, IL 62281January 11, 1993Limited Service Facility

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