FDIC Certificate #: 9752 Status: Active Federal Reserve ID: 720157 Date Established: October 20, 1922 WWW:http://www.mcsbnewfolden.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6239 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: Febuary 18, 2009 Last Structure Change Process Date: Febuary 18, 2009 Last Data Update: Febuary 18, 2009 Data Source Date: April 05, 2012
Location
Address: 118 East Minnesota, Newfolden, MN 56738 County: Marshall Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Grand Forks Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West
Financial Summary
Total assets: $27.7 mil Equity capital: $5.0 mil Deposits held in domestic offices: $22.6 mil Return on assets (ROA): 0.83% ($0.2 mil) Quarterly return on assets: 0.93% ($0.3 mil) Return on Equity (ROE): 4.28% ($0.2 mil) Quarterly return on equity: 5.03% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.83% ($229.6 mil) Quarterly Pretax return on assets: 0.93% ($257.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$27,668Total assets
$13,500Cash and due from depository institutions
$12,380Interest-bearing balances
$4,477Securities
$350Federal funds sold & reverse repurchase agreements
$9,147Net loans & leases
$333Loan loss allowance
$0Trading account assets
$66Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$27,668Life insurance assets
$128All other assets
$22,626Total liabilities and capital
$22,584Total liabilities
$18,648Total deposits
$22,584Interest-bearing deposits
$80Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$42Subordinated debt
$5,042All other liabilities
$5,042Total equity capital
$5,042Total bank equity capital
$0Perpetual preferred stock
$42Common stock
$809Surplus
$4,191Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$17Income earned, not collected on loans
$0Earning assets
$98Long-term assets (5+ years)
$26,354Average Assets, year-to-date
$640Average Assets, quarterly
$26,300Volatile liabilities
$26,998Insider loans
$9,234FHLB advances
$27,568Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,018Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$302Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$748Total interest income
$151Total interest expense
$597Net interest income
$6Provision for loan and lease losses
$99Total noninterest income
$0Fiduciary activities
$75Service charges on deposit accounts
$0Trading account gains & fees
$24Additional noninterest income
$473Total noninterest expense
$267Salaries and employee benefits
$26Premises and equipment expense
$180Additional noninterest expense
$217Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$217Income before extraordinary items
$0Extraordinary gains - net
$217Net income attributable to bank
$0Net charge-offs
$217Cash dividends
-$5Sale, conversion, retirement of capital stock, net
$332Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.25%Yield on earning assets
0.66%Cost of funding earning assets
2.59%Net interest margin
0.43%Noninterest income to earning assets
2.06%Noninterest expense to earning assets
0.83%Net operating income to assets
0.83%Return on assets (ROA)
0.83%Pretax return on assets
4.28%Return on equity (ROE)
-2.27%Retained earnings to average equity (YTD only)
-0.06%Net charge-offs to loans
-120.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
67,960Assets per employee
5.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
153.00%Loss allowance to loans
3.51%Loss allowance to noncurrent loans
1958.82%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.18%Net loans and leases to deposits
40.50%Net loans and leases to core deposits
40.50%Equity capital to assets
18.22%Core capital (leverage) ratio
18.20%Tier 1 risk-based capital ratio
54.34%Total risk-based capital ratio
Memoranda
$56Average assets
$26,300Average earning assets
$5,072Average equity
$23,006Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6239
Marshall County State Bank
118 East Minnesota, Newfolden, MN 56738
October 20, 1922
Full Service Brick and Mortar
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