FDIC Certificate #: 16752 Status: Active Federal Reserve ID: 760340 Bank Holding Company (Regulatory Top Holder): St. Anne Bancorp, Inc. (RSSDID: 3595431, Location: Manteno, IL) Date Established: December 04, 1948 WWW:http://www.nbsail.net 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 #: 10867 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: December 04, 1948 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: 158 West Station Street, St. Anne, IL 60964 County: Kankakee Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Champaign Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Kankakee, IL (#3740) Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14) Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176) Core Based Statistical Area (CBSA): Kankakee-Bradley, IL (#28100) CBSA Metro Statistical Area: Kankakee-Bradley, IL (#28100)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $55.5 mil Equity capital: $6.1 mil Deposits held in domestic offices: $49.0 mil Return on assets (ROA): 0.73% ($0.4 mil) Quarterly return on assets: 0.83% ($0.5 mil) Return on Equity (ROE): 5.71% ($0.3 mil) Quarterly return on equity: 6.91% ($0.4 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.06% ($588.6 mil) Quarterly Pretax return on assets: 1.25% ($694.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$55,530Total assets
$25,397Cash and due from depository institutions
$24,657Interest-bearing balances
$528Securities
$0Federal funds sold & reverse repurchase agreements
$25,883Net loans & leases
$336Loan loss allowance
$0Trading account assets
$601Bank premises and fixed assets
$0Other real estate owned
$2,466Goodwill and other intangibles
$55,530Life insurance assets
$655All other assets
$49,382Total liabilities and capital
$49,013Total liabilities
$31,133Total deposits
$49,013Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$369Subordinated debt
$6,148All other liabilities
$6,148Total equity capital
$6,148Total bank equity capital
$0Perpetual preferred stock
$60Common stock
$5,918Surplus
$170Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$135Income earned, not collected on loans
$0Earning assets
$271Long-term assets (5+ years)
$51,068Average Assets, year-to-date
$3,491Average Assets, quarterly
$47,716Volatile liabilities
$50,856Insider loans
$26,917FHLB advances
$46,053Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,866Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,808Restructured Loans and leases
$150Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,849Total interest income
$224Total interest expense
$1,625Net interest income
$51Provision for loan and lease losses
$91Total noninterest income
$0Fiduciary activities
$15Service charges on deposit accounts
$0Trading account gains & fees
$76Additional noninterest income
$1,157Total noninterest expense
$501Salaries and employee benefits
$96Premises and equipment expense
$560Additional noninterest expense
$508Pre-tax net operating income
$0Securities gains (losses)
$162Applicable income taxes
$346Income before extraordinary items
$0Extraordinary gains - net
$346Net income attributable to bank
$0Net charge-offs
$346Cash dividends
$1Sale, conversion, retirement of capital stock, net
$121Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.28%Yield on earning assets
0.52%Cost of funding earning assets
3.76%Net interest margin
0.21%Noninterest income to earning assets
2.68%Noninterest expense to earning assets
0.73%Net operating income to assets
0.73%Return on assets (ROA)
1.06%Pretax return on assets
5.71%Return on equity (ROE)
3.71%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
5100.00%Credit loss provision to net charge-offs
559.00%Efficiency ratio
61,189Assets per employee
5.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.97%Loss allowance to loans
1.28%Loss allowance to noncurrent loans
248.89%Noncurrent assets plus other real estate owned to assets
0.24%Noncurrent loans to loans
0.51%Net loans and leases to deposits
52.81%Net loans and leases to core deposits
65.94%Equity capital to assets
11.07%Core capital (leverage) ratio
8.39%Tier 1 risk-based capital ratio
14.36%Total risk-based capital ratio
Memoranda
$16Average assets
$47,716Average earning assets
$6,059Average equity
$43,172Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10867
National Bank Of St. Anne
158 West Station Street, St. Anne, IL 60964
December 04, 1948
Full Service Brick and Mortar
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