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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