FDIC Certificate #: 1099 Status: Active Federal Reserve ID: 341851 Bank Holding Company (Regulatory Top Holder): Clinton Bancshares, Inc. (RSSDID: 1126587, Location: Clinton, MN) Date Established: January 01, 1903 WWW:http://www.clintonstatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15451 FDIC's unique #: 744 Numeric code: 13 Regulator: FED 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: Yes 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 St. & Ushy 75, Clinton, MN 56225 County: Big Stone Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Fargo Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $67.0 mil Equity capital: $9.0 mil Deposits held in domestic offices: $57.5 mil Return on assets (ROA): 2.19% ($1.5 mil) Quarterly return on assets: 0.25% ($0.2 mil) Return on Equity (ROE): 16.56% ($1.5 mil) Quarterly return on equity: 1.85% ($0.2 mil) Net income: $1.5 mil Quarterly Net income: $0.0 mil Pretax return on assets: 2.18% ($1,461.6 mil) Quarterly Pretax return on assets: 0.25% ($167.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$67,044Total assets
$2,197Cash and due from depository institutions
$501Interest-bearing balances
$16,620Securities
$0Federal funds sold & reverse repurchase agreements
$46,813Net loans & leases
$611Loan loss allowance
$0Trading account assets
$140Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$67,044Life insurance assets
$1,274All other assets
$58,037Total liabilities and capital
$57,533Total liabilities
$49,382Total deposits
$57,533Interest-bearing deposits
$93Deposits held in domestic offices
400.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$9Trading liabilities
$0Other borrowed funds
$95Subordinated debt
$9,007All other liabilities
$9,007Total equity capital
$9,007Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$4,500Surplus
$4,407Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$452Income earned, not collected on loans
$0Earning assets
$820Long-term assets (5+ years)
$63,934Average Assets, year-to-date
$4,638Average Assets, quarterly
$67,070Volatile liabilities
$67,221Insider loans
$50,117FHLB advances
$67,360Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,691Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,189Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,273Total interest income
$600Total interest expense
$2,673Net interest income
$45Provision for loan and lease losses
$142Total noninterest income
$0Fiduciary activities
$110Service charges on deposit accounts
$0Trading account gains & fees
$32Additional noninterest income
$1,305Total noninterest expense
$848Salaries and employee benefits
$78Premises and equipment expense
$379Additional noninterest expense
$1,465Pre-tax net operating income
$0Securities gains (losses)
-$1Applicable income taxes
$1,466Income before extraordinary items
$0Extraordinary gains - net
$1,466Net income attributable to bank
$0Net charge-offs
$1,466Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$1,060Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.10%Yield on earning assets
0.93%Cost of funding earning assets
4.16%Net interest margin
0.22%Noninterest income to earning assets
2.03%Noninterest expense to earning assets
2.19%Net operating income to assets
2.19%Return on assets (ROA)
2.18%Pretax return on assets
16.56%Return on equity (ROE)
4.59%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
-4500.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
46,359Assets per employee
7.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
72.31%Loss allowance to loans
1.29%Loss allowance to noncurrent loans
135.18%Noncurrent assets plus other real estate owned to assets
0.67%Noncurrent loans to loans
0.95%Net loans and leases to deposits
81.37%Net loans and leases to core deposits
85.93%Equity capital to assets
13.43%Core capital (leverage) ratio
12.90%Tier 1 risk-based capital ratio
17.34%Total risk-based capital ratio
Memoranda
$19Average assets
$67,070Average earning assets
$8,853Average equity
$64,234Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
744
Clinton State Bank
Main St. & Ushy 75, Clinton, MN 56225
January 01, 1903
Full Service Brick and Mortar
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