FDIC Certificate #: 8858 Status: Active Federal Reserve ID: 112556 Bank Holding Company (Regulatory Top Holder): Chandler Bancshares, Inc. (RSSDID: 1843688, Location: Chandler, MN) Date Established: January 01, 1902 WWW:http://www.statebankofchandler.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 #: 5653 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: Fourth And Main, Chandler, MN 56122 County: Murray Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux Falls 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: $45.2 mil Equity capital: $4.6 mil Deposits held in domestic offices: $36.6 mil Return on assets (ROA): 0.90% ($0.4 mil) Quarterly return on assets: 0.74% ($0.3 mil) Return on Equity (ROE): 8.44% ($0.4 mil) Quarterly return on equity: 6.82% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.12% ($506.5 mil) Quarterly Pretax return on assets: 0.37% ($167.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$45,226Total assets
$5,787Cash and due from depository institutions
$490Interest-bearing balances
$14,168Securities
$839Federal funds sold & reverse repurchase agreements
$23,145Net loans & leases
$402Loan loss allowance
$0Trading account assets
$195Bank premises and fixed assets
$72Other real estate owned
$0Goodwill and other intangibles
$45,226Life insurance assets
$1,020All other assets
$40,602Total liabilities and capital
$36,650Total liabilities
$25,414Total deposits
$36,650Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,500Trading liabilities
$0Other borrowed funds
$452Subordinated debt
$4,624All other liabilities
$4,624Total equity capital
$4,624Total bank equity capital
$0Perpetual preferred stock
$95Common stock
$2,905Surplus
$1,624Undivided 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
$532Long-term assets (5+ years)
$38,642Average Assets, year-to-date
$9,895Average Assets, quarterly
$40,677Volatile liabilities
$42,359Insider loans
$26,793FHLB advances
$39,954Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,230Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,352Restructured Loans and leases
$7Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,701Total interest income
$320Total interest expense
$1,381Net interest income
$46Provision for loan and lease losses
$111Total noninterest income
$0Fiduciary activities
$57Service charges on deposit accounts
$0Trading account gains & fees
$54Additional noninterest income
$996Total noninterest expense
$591Salaries and employee benefits
$102Premises and equipment expense
$303Additional noninterest expense
$450Pre-tax net operating income
$6Securities gains (losses)
$88Applicable income taxes
$368Income before extraordinary items
$0Extraordinary gains - net
$368Net income attributable to bank
$0Net charge-offs
$368Cash dividends
-$7Sale, conversion, retirement of capital stock, net
$154Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.66%Yield on earning assets
0.88%Cost of funding earning assets
3.79%Net interest margin
0.30%Noninterest income to earning assets
2.73%Noninterest expense to earning assets
0.89%Net operating income to assets
0.90%Return on assets (ROA)
1.12%Pretax return on assets
8.44%Return on equity (ROE)
4.91%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
-657.14%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,756Assets per employee
5.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.85%Loss allowance to loans
1.71%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.00%Net loans and leases to deposits
63.15%Net loans and leases to core deposits
65.85%Equity capital to assets
10.22%Core capital (leverage) ratio
10.59%Tier 1 risk-based capital ratio
15.79%Total risk-based capital ratio
Memoranda
$17Average assets
$40,677Average earning assets
$4,362Average equity
$36,473Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5653
State Bank Of Chandler
Fourth And Main, Chandler, MN 56122
January 01, 1902
Full Service Brick and Mortar
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