St. George Thrift & Loan St. George, Utah in St. George, Utah (UT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 24, 1993

  • St. George Thrift & Loan St. George, Utah in St. George, Utah (UT)
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St. George Thrift & Loan St. George, Utah - Overview

  • General
  • FDIC Certificate #: 27128
    Status: Inactive
    Federal Reserve ID: 1162307
    Date Established: July 01, 1976
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 38830
    Numeric code: 23
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 11, 1987
    Last Structure Change Effective Date: June 24, 1993
    Last Structure Change Process Date: July 12, 1993
    Last Data Update: July 12, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 10 North 400 East, St. George, UT 84770
    County: Washington
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Salt Lake City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): St. George, UT (#41100)
    CBSA Metro Statistical Area: St. George, UT (#41100)
  • History of Changes
  • Other Liquidations and Closings
    Name Change
  • Financial Summary
  • Total assets: $3.9 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $3Total assets
  • $3,709Cash and due from depository institutions
  • $721Interest-bearing balances
  • $694Securities
  • $2Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $2,936Loan loss allowance
  • $58Trading account assets
  • $0Bank premises and fixed assets
  • $3Other real estate owned
  • $7Goodwill and other intangibles
  • $40Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $3,709Total liabilities
  • $3,315Total deposits
  • $3,293Interest-bearing deposits
  • $3,293Deposits held in domestic offices
  • 3293.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $22Total equity capital
  • $22Total bank equity capital
  • $394Perpetual preferred stock
  • $0Common stock
  • $469Surplus
  • $0Undivided profits
  • Memoranda
  • $-75Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $66Income earned, not collected on loans
  • $23Earning assets
  • $3,632Long-term assets (5+ years)
  • $322Average Assets, year-to-date
  • $3,521Average Assets, quarterly
  • $3,634Volatile liabilities
  • $500Insider loans
  • $16FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $70Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $394Total risk weighted assets
  • $2,543Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $376Total interest expense
  • $166Net interest income
  • $210Provision for loan and lease losses
  • $11Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $0Total noninterest expense
  • $161Salaries and employee benefits
  • $63Premises and equipment expense
  • $15Additional noninterest expense
  • $83Pre-tax net operating income
  • $38Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • $38Extraordinary gains - net
  • $0Net income attributable to bank
  • $38Net charge-offs
  • -$19Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 10.99%Cost of funding earning assets
  • 4.85%Net interest margin
  • 6.14%Noninterest income to earning assets
  • 0.00%Noninterest expense to earning assets
  • 4.71%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 1.08%Return on equity (ROE)
  • 10.14%Retained earnings to average equity (YTD only)
  • 10.14%Net charge-offs to loans
  • -0.63%Credit loss provision to net charge-offs
  • -57.89%Efficiency ratio
  • 76,667Assets per employee
  • 1.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 87.88%Noncurrent assets plus other real estate owned to assets
  • 1.97%Noncurrent loans to loans
  • 2.20%Net loans and leases to deposits
  • 89.16%Net loans and leases to core deposits
  • 105.12%Equity capital to assets
  • 10.62%Core capital (leverage) ratio
  • 10.88%Tier 1 risk-based capital ratio
  • 15.50%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $3,521Average earning assets
  • $375Average equity
  • $3,422Average loans

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