The St. John National Bank in Saint John, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The St. John National Bank - Overview

  • General
  • FDIC Certificate #: 4766
    Status: Active
    Federal Reserve ID: 412555
    Bank Holding Company (Regulatory Top Holder): Sjn Banc Co (RSSDID: 2796857, Location: Saint John, KS)
    Date Established: January 01, 1905
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3180
    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: January 01, 1934
    Last Structure Change Effective Date: September 22, 2010
    Last Structure Change Process Date: September 22, 2010
    Last Data Update: September 22, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 116 E 3rd Avenue, Saint John, KS 67576
    County: Stafford
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $72.1 mil
    Equity capital: $8.5 mil
    Deposits held in domestic offices: $62.8 mil
    Return on assets (ROA): 1.49% ($1.1 mil)
    Quarterly return on assets: 0.82% ($0.6 mil)
    Return on Equity (ROE): 13.02% ($1.0 mil)
    Quarterly return on equity: 6.82% ($0.5 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 2.18% ($1,571.2 mil)
    Quarterly Pretax return on assets: 1.08% ($778.4 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
  • 15Total employees (full-time equivalent)
  • $72,075Total assets
  • $11,236Cash and due from depository institutions
  • $7,922Interest-bearing balances
  • $17,176Securities
  • $16Federal funds sold & reverse repurchase agreements
  • $39,108Net loans & leases
  • $416Loan loss allowance
  • $0Trading account assets
  • $786Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $72,075Life insurance assets
  • $3,753All other assets
  • $63,591Total liabilities and capital
  • $62,838Total liabilities
  • $53,777Total deposits
  • $62,838Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $753Subordinated debt
  • $8,484All other liabilities
  • $8,484Total equity capital
  • $8,484Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $780Surplus
  • $7,604Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,688Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $93Income earned, not collected on loans
  • $0Earning assets
  • $943Long-term assets (5+ years)
  • $64,222Average Assets, year-to-date
  • $20,869Average Assets, quarterly
  • $69,248Volatile liabilities
  • $70,410Insider loans
  • $48,480FHLB advances
  • $69,885Loans and leases held for sale
  • $1,060Unused loan commitments
  • $1,060Tier 1 (core) risk-based capital
  • $8,013Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,973Restructured Loans and leases
  • $1,945Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,295Total interest income
  • $477Total interest expense
  • $2,818Net interest income
  • $60Provision for loan and lease losses
  • $762Total noninterest income
  • $0Fiduciary activities
  • $297Service charges on deposit accounts
  • $0Trading account gains & fees
  • $465Additional noninterest income
  • $2,038Total noninterest expense
  • $1,001Salaries and employee benefits
  • $327Premises and equipment expense
  • $710Additional noninterest expense
  • $1,482Pre-tax net operating income
  • $26Securities gains (losses)
  • $479Applicable income taxes
  • $1,029Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,029Net income attributable to bank
  • $0Net charge-offs
  • $1,029Cash dividends
  • $24Sale, conversion, retirement of capital stock, net
  • $143Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 4.57%Net interest margin
  • 1.24%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 1.46%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 2.18%Pretax return on assets
  • 13.02%Return on equity (ROE)
  • 11.21%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 250.00%Credit loss provision to net charge-offs
  • 64.25%Efficiency ratio
  • 56,927Assets per employee
  • 4.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.90%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 447.31%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 62.24%Net loans and leases to core deposits
  • 68.12%Equity capital to assets
  • 11.77%Core capital (leverage) ratio
  • 11.47%Tier 1 risk-based capital ratio
  • 16.53%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $69,248Average earning assets
  • $7,903Average equity
  • $61,691Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03180The St. John National Bank116 E 3rd Avenue, Saint John, KS 67576January 01, 1905Full Service Brick and Mortar
    111603Macksville Branch130 North Main Street, Macksville, KS 67557December 17, 1892Full Service Brick and Mortar

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