FDIC Certificate #: 14853 Status: Active Federal Reserve ID: 794653 Bank Holding Company (Regulatory Top Holder): First National Agency At Saint James, Inc. (RSSDID: 1142952, Location: Saint James, MN) Date Established: October 31, 1934 WWW:http://www.fnbstjames.com 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 #: 9298 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: October 31, 1934 Last Structure Change Effective Date: November 26, 2008 Last Structure Change Process Date: December 01, 2008 Last Data Update: December 01, 2008 Data Source Date: April 05, 2012
Location
Address: 202 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 Location
Financial Summary
Total assets: $26.8 mil Equity capital: $2.5 mil Deposits held in domestic offices: $23.1 mil Return on assets (ROA): 0.12% ($0.0 mil) Quarterly return on assets: -0.52% (-$0.1 mil) Return on Equity (ROE): 1.27% ($0.0 mil) Quarterly return on equity: -5.49% (-$0.1 mil) Net income: $0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.13% ($34.9 mil) Quarterly Pretax return on assets: -0.52% (-$139.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$26,832Total assets
$896Cash and due from depository institutions
$509Interest-bearing balances
$4,517Securities
$744Federal funds sold & reverse repurchase agreements
$16,533Net loans & leases
$163Loan loss allowance
$0Trading account assets
$2,056Bank premises and fixed assets
$825Other real estate owned
$0Goodwill and other intangibles
$26,832Life insurance assets
$1,261All other assets
$24,340Total liabilities and capital
$23,095Total liabilities
$19,821Total deposits
$23,095Interest-bearing deposits
$99Deposits held in domestic offices
325.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$708Trading liabilities
$0Other borrowed funds
$212Subordinated debt
$2,492All other liabilities
$2,492Total equity capital
$2,492Total bank equity capital
$0Perpetual preferred stock
$12Common stock
$286Surplus
$2,194Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$238Income earned, not collected on loans
$0Earning assets
$192Long-term assets (5+ years)
$22,303Average Assets, year-to-date
$7,972Average Assets, quarterly
$26,695Volatile liabilities
$26,734Insider loans
$16,957FHLB advances
$26,450Loans and leases held for sale
$804Unused loan commitments
$804Tier 1 (core) risk-based capital
$2,382Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,319Restructured Loans and leases
$53Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,270Total interest income
$242Total interest expense
$1,028Net interest income
$63Provision for loan and lease losses
$212Total noninterest income
$0Fiduciary activities
$140Service charges on deposit accounts
$0Trading account gains & fees
$72Additional noninterest income
$1,185Total noninterest expense
$662Salaries and employee benefits
$262Premises and equipment expense
$261Additional noninterest expense
-$8Pre-tax net operating income
$43Securities gains (losses)
$3Applicable income taxes
$32Income before extraordinary items
$0Extraordinary gains - net
$32Net income attributable to bank
$0Net charge-offs
$32Cash dividends
$124Sale, conversion, retirement of capital stock, net
$54Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.73%Yield on earning assets
1.09%Cost of funding earning assets
4.64%Net interest margin
0.96%Noninterest income to earning assets
5.34%Noninterest expense to earning assets
-0.03%Net operating income to assets
0.12%Return on assets (ROA)
0.13%Pretax return on assets
1.27%Return on equity (ROE)
-0.87%Retained earnings to average equity (YTD only)
0.72%Net charge-offs to loans
50.81%Credit loss provision to net charge-offs
0.44%Efficiency ratio
95,565Assets per employee
2.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
168.75%Loss allowance to loans
0.98%Loss allowance to noncurrent loans
68.49%Noncurrent assets plus other real estate owned to assets
3.96%Noncurrent loans to loans
1.43%Net loans and leases to deposits
71.59%Net loans and leases to core deposits
71.59%Equity capital to assets
9.29%Core capital (leverage) ratio
9.01%Tier 1 risk-based capital ratio
14.05%Total risk-based capital ratio
Memoranda
$15Average assets
$26,695Average earning assets
$2,520Average equity
$22,178Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9298
The First National Bank At St. James
202 1st Ave S, Saint James, MN 56081
October 31, 1934
Full Service Brick and Mortar
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