St James Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 31071 Status: Active Federal Reserve ID: 799470 Date Established: January 01, 1958 WWW:http://www.stjamesfederal.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 6335 FDIC's unique #: 43905 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: 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: Commercial Lending Specialization Date of Deposit Insurance: January 05, 1959 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 501 1st Ave S, Saint James, MN 56081 County: Watonwan Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Mankato Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $26.7 mil Equity capital: $2.4 mil Deposits held in domestic offices: $24.2 mil Return on assets (ROA): 0.50% ($0.1 mil) Quarterly return on assets: 0.55% ($0.1 mil) Return on Equity (ROE): 5.48% ($0.1 mil) Quarterly return on equity: 6.04% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.78% ($208.1 mil) Quarterly Pretax return on assets: 0.92% ($245.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$26,683Total assets
$5,717Cash and due from depository institutions
$4,234Interest-bearing balances
$1,280Securities
$0Federal funds sold & reverse repurchase agreements
$19,095Net loans & leases
$288Loan loss allowance
$0Trading account assets
$247Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$26,683Life insurance assets
$344All other assets
$24,280Total liabilities and capital
$24,206Total liabilities
$22,466Total deposits
$24,206Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$74Subordinated debt
$2,403All other liabilities
$2,403Total equity capital
$2,403Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$2,403Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$150Income earned, not collected on loans
$0Earning assets
$162Long-term assets (5+ years)
$24,609Average Assets, year-to-date
$0Average Assets, quarterly
$25,678Volatile liabilities
$26,133Insider loans
$17,907FHLB advances
$26,683Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,403Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,673Restructured Loans and leases
$367Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,289Total interest income
$303Total interest expense
$986Net interest income
$60Provision for loan and lease losses
$60Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$60Additional noninterest income
$787Total noninterest expense
$467Salaries and employee benefits
$157Premises and equipment expense
$163Additional noninterest expense
$199Pre-tax net operating income
$1Securities gains (losses)
$72Applicable income taxes
$128Income before extraordinary items
$0Extraordinary gains - net
$128Net income attributable to bank
$0Net charge-offs
$128Cash dividends
-$9Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.41%Yield on earning assets
1.27%Cost of funding earning assets
4.14%Net interest margin
0.25%Noninterest income to earning assets
3.30%Noninterest expense to earning assets
0.50%Net operating income to assets
0.50%Return on assets (ROA)
0.78%Pretax return on assets
5.48%Return on equity (ROE)
5.48%Retained earnings to average equity (YTD only)
-0.05%Net charge-offs to loans
-666.67%Credit loss provision to net charge-offs
0.00%Efficiency ratio
75,239Assets per employee
3.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.49%Loss allowance to noncurrent loans
192.00%Noncurrent assets plus other real estate owned to assets
0.56%Noncurrent loans to loans
0.77%Net loans and leases to deposits
78.89%Net loans and leases to core deposits
82.35%Equity capital to assets
9.01%Core capital (leverage) ratio
9.01%Tier 1 risk-based capital ratio
13.42%Total risk-based capital ratio
Memoranda
$15Average assets
$25,678Average earning assets
$2,335Average equity
$23,844Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43905
St James Federal Savings And Loan As
501 1st Ave S, Saint James, MN 56081
January 01, 1958
Full Service Brick and Mortar
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