Vitals
  • Total Assets
    90.3M 5.8 %
  • Total Deposits
    79.4M 6.4 %
  • Total Net Loans
    67.7M 7.2 %
  • Net Income
    1.6M 4.9 %
  • Book Value
    10.6M 1.5 %
  • Book Value x2
    21.2M 1.5 %
  • Book Value x3
    31.8M 1.5 %
ROAA

1.842

ROAE

15.266

Efficiency Ratio

46.7

Net Interest Margin

3.616

Balance Sheet Highlights
Financial Highlights St. Clair State Bank (Incorporated) All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 90,273 147,703
Total Net Loans 67,690 97,223
Total Deposits 79,443 126,600
Total Equity 10,590 15,565
Profitability
Net Income 1,593 1,683
Return on Average Assets 1.842 1.08
Return on Average Equity 15.266 9.905
Net Interest Margin 3.616 3.845
Efficiency Ratio 46.7 68.21
Noninterest Income/Revenue 3.598 13.68
Balance Sheet Ratios
Loan-to-Deposit 85.206 75.205
Securities/Assets .03 .174
Total Equity/Total Assets .117 .105
Tangible Equity/Tangible Assets .117 .103
Capital Adequacy
Tier 1 Common Capital 10,590 15,225
Tier 1 Capital 10,590 15,232
Tier 2 Capital 898 1,135
Total Capital 11,488 16,386
Total Risk Weighted Assets 71,621 105,251
Leverage Ratio 11.92 10.475
Common Equity Tier 1 Capital Ratio 14.79 15.3
Tier 1 Capital Ratio 14.79 15.308
Total Capital Ratio 16.04 16.398

Timeline for St. Clair State Bank (Incorporated)

Saint Clair Agency, Inc.

Saint Clair Agency, Inc. became a new parent organization for St. Clair State Bank (Incorporated).

View Profile Mar 16 1984

St. Clair State Bank (Incorporated)

St. Clair State Bank (Incorporated) was established 116 years ago and is currently headquartered in Saint Clair, MN.

Jul 17 1907
Relationships Role Relationship Start Relationship End
Saint Clair Agency, Inc. Parent 12/31/2012
Saint Clair Agency, Inc. Parent 3/19/2008 12/30/2012
Saint Clair Agency, Inc. Parent 11/4/2002 3/18/2008
Saint Clair Agency, Inc. Parent 2/1/2002 11/3/2002
Saint Clair Agency, Inc. Parent 1/1/2000 1/31/2002
Saint Clair Agency, Inc. Parent 4/29/1999 12/31/1999
Saint Clair Agency, Inc. Parent 7/15/1998 4/28/1999
Saint Clair Agency, Inc. Parent 3/16/1984 7/14/1998
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