FDIC Certificate #: 12086 Status: Active Federal Reserve ID: 363442 Date Established: January 01, 1900 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7679 Numeric code: 21 Regulator: FDIC 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: Main Street, Ste. Marie, IL 62459 County: Jasper 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $19.1 mil Equity capital: $4.5 mil Deposits held in domestic offices: $14.5 mil Return on assets (ROA): 0.03% ($0.0 mil) Quarterly return on assets: 1.17% ($0.2 mil) Return on Equity (ROE): 0.11% ($0.0 mil) Quarterly return on equity: 5.04% ($0.2 mil) Net income: $0.0 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.02% ($3.8 mil) Quarterly Pretax return on assets: 1.15% ($219.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$19,071Total assets
$5,049Cash and due from depository institutions
$240Interest-bearing balances
$3,595Securities
$761Federal funds sold & reverse repurchase agreements
$9,224Net loans & leases
$73Loan loss allowance
$0Trading account assets
$207Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$19,071Life insurance assets
$235All other assets
$14,590Total liabilities and capital
$14,542Total liabilities
$12,942Total deposits
$14,542Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$48Subordinated debt
$4,481All other liabilities
$4,481Total equity capital
$4,481Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$1,700Surplus
$2,481Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$31Income earned, not collected on loans
$0Earning assets
$109Long-term assets (5+ years)
$13,820Average Assets, year-to-date
$1,001Average Assets, quarterly
$19,017Volatile liabilities
$19,065Insider loans
$11,351FHLB advances
$19,199Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,459Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$2,277Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$607Total interest income
$233Total interest expense
$374Net interest income
$0Provision for loan and lease losses
$81Total noninterest income
$0Fiduciary activities
$9Service charges on deposit accounts
$0Trading account gains & fees
$72Additional noninterest income
$452Total noninterest expense
$223Salaries and employee benefits
$82Premises and equipment expense
$147Additional noninterest expense
$3Pre-tax net operating income
$0Securities gains (losses)
-$2Applicable income taxes
$5Income before extraordinary items
$0Extraordinary gains - net
$5Net income attributable to bank
$0Net charge-offs
$5Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.71%Yield on earning assets
1.42%Cost of funding earning assets
2.28%Net interest margin
0.49%Noninterest income to earning assets
2.76%Noninterest expense to earning assets
0.03%Net operating income to assets
0.03%Return on assets (ROA)
0.02%Pretax return on assets
0.11%Return on equity (ROE)
0.11%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
99,341Assets per employee
3.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.79%Loss allowance to noncurrent loans
235.48%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.33%Net loans and leases to deposits
63.43%Net loans and leases to core deposits
64.75%Equity capital to assets
23.50%Core capital (leverage) ratio
23.23%Tier 1 risk-based capital ratio
39.28%Total risk-based capital ratio
Memoranda
$40Average assets
$19,017Average earning assets
$4,391Average equity
$16,377Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7679
Sainte Marie State Bank
Main Street, Ste. Marie, IL 62459
January 01, 1900
Full Service Brick and Mortar
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