FDIC Certificate #: 1098 Status: Active Federal Reserve ID: 309851 Bank Holding Company (Regulatory Top Holder): Johnson Bancshares, Inc. (RSSDID: 1126484, Location: Chatfield, MN) Date Established: November 25, 1856 WWW:http://www.rrsbchatfield.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) FDIC's unique #: 743 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: 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: 18 3rd Street, S. E., Chatfield, MN 55923 County: Fillmore 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: $60.9 mil Equity capital: $7.4 mil Deposits held in domestic offices: $53.2 mil Return on assets (ROA): 0.34% ($0.2 mil) Quarterly return on assets: 0.28% ($0.2 mil) Return on Equity (ROE): 2.76% ($0.2 mil) Quarterly return on equity: 2.26% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.51% ($310.3 mil) Quarterly Pretax return on assets: 0.42% ($255.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$60,851Total assets
$8,936Cash and due from depository institutions
$2,290Interest-bearing balances
$13,078Securities
$0Federal funds sold & reverse repurchase agreements
$36,536Net loans & leases
$328Loan loss allowance
$0Trading account assets
$564Bank premises and fixed assets
$120Other real estate owned
$0Goodwill and other intangibles
$60,851Life insurance assets
$1,617All other assets
$53,415Total liabilities and capital
$53,171Total liabilities
$49,764Total deposits
$53,171Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$244Subordinated debt
$7,436All other liabilities
$7,436Total equity capital
$7,436Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$2,400Surplus
$4,936Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$346Long-term assets (5+ years)
$51,904Average Assets, year-to-date
$13,930Average Assets, quarterly
$59,918Volatile liabilities
$60,524Insider loans
$37,942FHLB advances
$60,477Loans and leases held for sale
$589Unused loan commitments
$589Tier 1 (core) risk-based capital
$7,156Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,254Restructured Loans and leases
$147Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,687Total interest income
$432Total interest expense
$2,255Net interest income
$154Provision for loan and lease losses
$126Total noninterest income
$0Fiduciary activities
$68Service charges on deposit accounts
$0Trading account gains & fees
$58Additional noninterest income
$1,919Total noninterest expense
$1,247Salaries and employee benefits
$215Premises and equipment expense
$457Additional noninterest expense
$308Pre-tax net operating income
$0Securities gains (losses)
$107Applicable income taxes
$201Income before extraordinary items
$0Extraordinary gains - net
$201Net income attributable to bank
$0Net charge-offs
$201Cash dividends
$170Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.30%Yield on earning assets
0.85%Cost of funding earning assets
4.45%Net interest margin
0.25%Noninterest income to earning assets
3.79%Noninterest expense to earning assets
0.34%Net operating income to assets
0.34%Return on assets (ROA)
0.51%Pretax return on assets
2.76%Return on equity (ROE)
2.76%Retained earnings to average equity (YTD only)
0.45%Net charge-offs to loans
90.59%Credit loss provision to net charge-offs
2.72%Efficiency ratio
80,596Assets per employee
4.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.00%Net loans and leases to deposits
68.71%Net loans and leases to core deposits
69.60%Equity capital to assets
12.22%Core capital (leverage) ratio
11.83%Tier 1 risk-based capital ratio
18.86%Total risk-based capital ratio
Memoranda
$20Average assets
$59,918Average earning assets
$7,291Average equity
$50,694Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
743
Root River State Bank
18 3rd Street, S. E., Chatfield, MN 55923
November 25, 1856
Full Service Brick and Mortar
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