Community First National Bank of Caledonia in Caledonia, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 02, 1995

  • Community First National Bank of Caledonia in Caledonia, Minnesota (MN)
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Community First National Bank of Caledonia - Overview

  • General
  • FDIC Certificate #: 10195
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community First National Bank (#5281)
    Federal Reserve ID: 369958
    Date Established: January 01, 1913
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 6534
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 02, 1995
    Last Structure Change Process Date: October 24, 1995
    Last Data Update: October 24, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 East Grove Street, Caledonia, MN 55921
    County: Houston
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Minneapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): La Crosse, WI-MN (#3870)
    Core Based Statistical Area (CBSA): La Crosse, WI-MN (#29100)
    CBSA Metro Statistical Area: La Crosse, WI-MN (#29100)
  • Financial Summary
  • Total assets: $44.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $17Total assets
  • $42,162Cash and due from depository institutions
  • $1,802Interest-bearing balances
  • $0Securities
  • $21,510Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $17,781Loan loss allowance
  • $398Trading account assets
  • $0Bank premises and fixed assets
  • $279Other real estate owned
  • $0Goodwill and other intangibles
  • $790Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $42,162Total liabilities
  • $39,251Total deposits
  • $34,847Interest-bearing deposits
  • $30,467Deposits held in domestic offices
  • 34847.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $4,044Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $360Total equity capital
  • $360Total bank equity capital
  • $2,911Perpetual preferred stock
  • $0Common stock
  • $338Surplus
  • $2,162Undivided profits
  • Memoranda
  • $411Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $487Income earned, not collected on loans
  • $174Earning assets
  • $39,291Long-term assets (5+ years)
  • $7,164Average Assets, year-to-date
  • $41,780Average Assets, quarterly
  • $41,447Volatile liabilities
  • $4,344Insider loans
  • $22FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,187Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,455Total risk weighted assets
  • $21,543Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,526Total interest expense
  • $1,134Net interest income
  • $1,392Provision for loan and lease losses
  • $0Total noninterest income
  • $270Fiduciary activities
  • $0Service charges on deposit accounts
  • $168Trading account gains & fees
  • $0Additional noninterest income
  • $102Total noninterest expense
  • $1,140Salaries and employee benefits
  • $589Premises and equipment expense
  • $107Additional noninterest expense
  • $444Pre-tax net operating income
  • $522Securities gains (losses)
  • -$1Applicable income taxes
  • $233Income before extraordinary items
  • $288Extraordinary gains - net
  • $0Net income attributable to bank
  • $288Net charge-offs
  • -$39Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.46%Cost of funding earning assets
  • 2.90%Net interest margin
  • 3.56%Noninterest income to earning assets
  • 0.69%Noninterest expense to earning assets
  • 2.92%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 1.25%Return on equity (ROE)
  • 9.41%Retained earnings to average equity (YTD only)
  • 9.41%Net charge-offs to loans
  • -0.23%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,592Assets per employee
  • 2.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.19%Loss allowance to noncurrent loans
  • 81.72%Noncurrent assets plus other real estate owned to assets
  • 1.16%Noncurrent loans to loans
  • 2.68%Net loans and leases to deposits
  • 51.03%Net loans and leases to core deposits
  • 51.47%Equity capital to assets
  • 6.90%Core capital (leverage) ratio
  • 8.50%Tier 1 risk-based capital ratio
  • 16.04%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $41,780Average earning assets
  • $3,061Average equity
  • $39,080Average loans

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