Pine Country Bank in city_name, state_name - Detailed Financial Reports, Location

Pine Country Bank in Little Falls, Minnesota (MN)
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Pine Country Bank routing number info

Pine Country Bank - Overview

General
FDIC Certificate #: 13652
Status: Active
Federal Reserve ID: 761459
Bank Holding Company (Regulatory Top Holder): Tysan Corporation, The (RSSDID: 1125085, Location: Minneapolis, MN)
Date Established: May 11, 1927
WWW: http://www.pinecountrybank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 14180
FDIC's unique #: 8530
Numeric code: 21
Regulator: FDIC
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: No
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: 1201 1st Avenue Ne, Little Falls, MN 56345
County: Morrison
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $150.9 mil
Equity capital: $10.9 mil
Deposits held in domestic offices: $138.7 mil
Return on assets (ROA): 0.75% ($1.1 mil)
Quarterly return on assets: 0.80% ($1.2 mil)
Return on Equity (ROE): 10.91% ($1.2 mil)
Quarterly return on equity: 11.27% ($1.2 mil)
Net income: $1.1 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.13% ($1,704.9 mil)
Quarterly Pretax return on assets: 1.27% ($1,916.1 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
35Total employees (full-time equivalent)
$150,874Total assets
$4,685Cash and due from depository institutions
$3,279Interest-bearing balances
$51,902Securities
$0Federal funds sold & reverse repurchase agreements
$86,912Net loans & leases
$1,160Loan loss allowance
$0Trading account assets
$3,829Bank premises and fixed assets
$986Other real estate owned
$390Goodwill and other intangibles
$150,874Life insurance assets
$2,170All other assets
$139,988Total liabilities and capital
$138,714Total liabilities
$121,242Total deposits
$138,714Interest-bearing deposits
$87Deposits held in domestic offices
800.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$474Subordinated debt
$10,886All other liabilities
$10,886Total equity capital
$10,886Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$7,181Surplus
$3,605Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,771Income earned, not collected on loans
$1,506Earning assets
$1,096Long-term assets (5+ years)
$142,093Average Assets, year-to-date
$61,683Average Assets, quarterly
$147,313Volatile liabilities
$152,485Insider loans
$103,058FHLB advances
$152,718Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,744Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,852Restructured Loans and leases
$477Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,232Total interest income
$1,439Total interest expense
$5,793Net interest income
$204Provision for loan and lease losses
$470Total noninterest income
$0Fiduciary activities
$297Service charges on deposit accounts
$0Trading account gains & fees
$173Additional noninterest income
$4,245Total noninterest expense
$2,384Salaries and employee benefits
$912Premises and equipment expense
$949Additional noninterest expense
$1,814Pre-tax net operating income
-$143Securities gains (losses)
$571Applicable income taxes
$1,100Income before extraordinary items
$0Extraordinary gains - net
$1,100Net income attributable to bank
$0Net charge-offs
$1,100Cash dividends
$124Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.23%Yield on earning assets
1.04%Cost of funding earning assets
4.19%Net interest margin
0.34%Noninterest income to earning assets
3.07%Noninterest expense to earning assets
0.81%Net operating income to assets
0.75%Return on assets (ROA)
1.13%Pretax return on assets
10.91%Return on equity (ROE)
10.91%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
164.52%Credit loss provision to net charge-offs
16.27%Efficiency ratio
67,779Assets per employee
4.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.32%Loss allowance to noncurrent loans
30.76%Noncurrent assets plus other real estate owned to assets
3.15%Noncurrent loans to loans
4.28%Net loans and leases to deposits
62.66%Net loans and leases to core deposits
65.61%Equity capital to assets
7.22%Core capital (leverage) ratio
7.04%Tier 1 risk-based capital ratio
10.43%Total risk-based capital ratio
Memoranda
$12Average assets
$147,313Average earning assets
$10,082Average equity
$138,221Average loans

List of branches

4 Minnesota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8530	Pine Country Bank	1201 1st Avenue Ne, Little Falls, MN 56345	May 11, 1927	Full Service Brick and Mortar
1	229752	Detached Facility	Main Street, Bowlus, MN 56314	November 01, 1983	Limited Service Facility
2	229753	Royalton Branch	412 North Highway 10, Royalton, MN 56373	August 23, 1999	Full Service Brick and Mortar
3	474191	Rice Office Branch	750 125th Street, Rice, MN 56367	April 14, 2008	Full Service Brick and Mortar

Pine Country Bank in Little Falls, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Pine Country Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Pine Country Bank in Little Falls, Minnesota (MN)Overview, Financial Summary, Detailed Financial Reports, Branches

Pine Country Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Pine Country Bank in Little Falls, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches