The First National Bank at St. James in Saint James, Minnesota (MN)
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| The First National Bank at St. James | |
|---|---|
| General | FDIC Certificate #: 14853 Status: Active Federal Reserve ID: 794653 Bank Holding Company (Regulatory Top Holder): First National Agency At Saint James, Inc. (RSSDID: 1142952, Location: Saint James, MN) Date Established: October 31, 1934 WWW: http://www.fnbstjames.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9298 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: October 31, 1934 Last Structure Change Effective Date: November 26, 2008 Last Structure Change Process Date: December 01, 2008 Last Data Update: December 01, 2008 Data Source Date: April 05, 2012 |
| Location | Address: 202 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 Location |
| Financial Summary | Total assets: $26.8 mil Equity capital: $2.5 mil Deposits held in domestic offices: $23.1 mil Return on assets (ROA): 0.12% ($0.0 mil) Quarterly return on assets: -0.52% (-$0.1 mil) Return on Equity (ROE): 1.27% ($0.0 mil) Quarterly return on equity: -5.49% (-$0.1 mil) Net income: $0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.13% ($34.9 mil) Quarterly Pretax return on assets: -0.52% (-$139.5 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 12 |
| Total assets | $26,832 |
| Cash and due from depository institutions | $896 |
| Interest-bearing balances | $509 |
| Securities | $4,517 |
| Federal funds sold & reverse repurchase agreements | $744 |
| Net loans & leases | $16,533 |
| Loan loss allowance | $163 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,056 |
| Other real estate owned | $825 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,261 |
| Life insurance assets | $26,832 |
| Total liabilities and capital | $24,340 |
| Total liabilities | $23,095 |
| Total deposits | $19,821 |
| Interest-bearing deposits | $23,095 |
| Deposits held in domestic offices | $99 |
| % insured (estimated) | 325.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $708 |
| Other borrowed funds | $0 |
| Subordinated debt | $212 |
| All other liabilities | $2,492 |
| Total equity capital | $2,492 |
| Total bank equity capital | $2,492 |
| Perpetual preferred stock | $0 |
| Common stock | $12 |
| Surplus | $286 |
| Undivided profits | $2,194 |
| Memoranda | |
| 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 | $238 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $192 |
| Average Assets, year-to-date | $22,303 |
| Average Assets, quarterly | $7,972 |
| Volatile liabilities | $26,695 |
| Insider loans | $26,734 |
| FHLB advances | $16,957 |
| Loans and leases held for sale | $26,450 |
| Unused loan commitments | $804 |
| Tier 1 (core) risk-based capital | $804 |
| Tier 2 risk-based capital | $2,382 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $1,319 |
| Derivatives | $53 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,270 |
| Total interest expense | $242 |
| Net interest income | $1,028 |
| Provision for loan and lease losses | $63 |
| Total noninterest income | $212 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $140 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $72 |
| Total noninterest expense | $1,185 |
| Salaries and employee benefits | $662 |
| Premises and equipment expense | $262 |
| Additional noninterest expense | $261 |
| Pre-tax net operating income | -$8 |
| Securities gains (losses) | $43 |
| Applicable income taxes | $3 |
| Income before extraordinary items | $32 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $32 |
| Net charge-offs | $0 |
| Cash dividends | $32 |
| Sale, conversion, retirement of capital stock, net | $124 |
| Net operating income | $54 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.73% |
| Cost of funding earning assets | 1.09% |
| Net interest margin | 4.64% |
| Noninterest income to earning assets | 0.96% |
| Noninterest expense to earning assets | 5.34% |
| Net operating income to assets | -0.03% |
| Return on assets (ROA) | 0.12% |
| Pretax return on assets | 0.13% |
| Return on equity (ROE) | 1.27% |
| Retained earnings to average equity (YTD only) | -0.87% |
| Net charge-offs to loans | 0.72% |
| Credit loss provision to net charge-offs | 50.81% |
| Efficiency ratio | 0.44% |
| Assets per employee | $95,565 |
| Cash dividends to net income (YTD only) | 2.24% |
| Condition Ratios (%) | |
| Loss allowance to loans | 168.75% |
| Loss allowance to noncurrent loans | 0.98% |
| Noncurrent assets plus other real estate owned to assets | 68.49% |
| Noncurrent loans to loans | 3.96% |
| Net loans and leases to deposits | 1.43% |
| Net loans and leases to core deposits | 71.59% |
| Equity capital to assets | 71.59% |
| Core capital (leverage) ratio | 9.29% |
| Tier 1 risk-based capital ratio | 9.01% |
| Total risk-based capital ratio | 14.05% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $26,695 |
| Average equity | $2,520 |
| Average loans | $22,178 |
| 1 Minnesota Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 9298 | The First National Bank At St. James | 202 1st Ave S, Saint James, MN 56081 | October 31, 1934 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.