FDIC Certificate #: 11302 Status: Active Federal Reserve ID: 426141 Bank Holding Company (Regulatory Top Holder): St. Peter Bancshares, Inc. (RSSDID: 2294634, Location: Saint Peter, IL) Date Established: April 25, 1908 WWW:http://www.fsbstpeter.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7216 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 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: 200 East Third St, Saint Peter, IL 62880 County: Fayette 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $29.1 mil Equity capital: $4.0 mil Deposits held in domestic offices: $24.9 mil Return on assets (ROA): 1.44% ($0.4 mil) Quarterly return on assets: 1.06% ($0.3 mil) Return on Equity (ROE): 10.47% ($0.4 mil) Quarterly return on equity: 7.61% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.94% ($564.7 mil) Quarterly Pretax return on assets: 1.92% ($558.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$29,107Total assets
$1,220Cash and due from depository institutions
$0Interest-bearing balances
$17,706Securities
$0Federal funds sold & reverse repurchase agreements
$9,589Net loans & leases
$86Loan loss allowance
$0Trading account assets
$125Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,107Life insurance assets
$467All other assets
$25,070Total liabilities and capital
$24,852Total liabilities
$19,764Total deposits
$24,852Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$218Subordinated debt
$4,037All other liabilities
$4,037Total equity capital
$4,037Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$950Surplus
$3,037Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$22Income earned, not collected on loans
$0Earning assets
$344Long-term assets (5+ years)
$27,295Average Assets, year-to-date
$15,922Average Assets, quarterly
$28,772Volatile liabilities
$29,002Insider loans
$13,307FHLB advances
$29,200Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,002Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,509Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,320Total interest income
$238Total interest expense
$1,082Net interest income
$0Provision for loan and lease losses
$96Total noninterest income
$0Fiduciary activities
$66Service charges on deposit accounts
$0Trading account gains & fees
$30Additional noninterest income
$625Total noninterest expense
$355Salaries and employee benefits
$95Premises and equipment expense
$175Additional noninterest expense
$553Pre-tax net operating income
$4Securities gains (losses)
$143Applicable income taxes
$414Income before extraordinary items
$0Extraordinary gains - net
$414Net income attributable to bank
$0Net charge-offs
$414Cash dividends
$6Sale, conversion, retirement of capital stock, net
$250Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.86%Yield on earning assets
0.88%Cost of funding earning assets
3.98%Net interest margin
0.35%Noninterest income to earning assets
2.30%Noninterest expense to earning assets
1.43%Net operating income to assets
1.44%Return on assets (ROA)
1.94%Pretax return on assets
10.47%Return on equity (ROE)
4.15%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
92.17%Efficiency ratio
53,056Assets per employee
4.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
60.39%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
390.91%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.23%Net loans and leases to deposits
38.58%Net loans and leases to core deposits
39.38%Equity capital to assets
13.87%Core capital (leverage) ratio
13.71%Tier 1 risk-based capital ratio
30.07%Total risk-based capital ratio
Memoranda
$31Average assets
$28,772Average earning assets
$3,956Average equity
$27,167Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7216
First State Bank Of St. Peter
200 East Third St, Saint Peter, IL 62880
April 25, 1908
Full Service Brick and Mortar
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