FDIC Certificate #: 10567 Status: Active Federal Reserve ID: 842853 Bank Holding Company (Regulatory Top Holder): Carlson Bankshares, Inc. (RSSDID: 1128451, Location: New London, MN) Date Established: May 05, 1890 WWW:http://www.umbnl.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 #: 6768 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: No Asset Concentration Hierarchy: Commercial Lending 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: 105 Central Avenue, New London, MN 56273 County: Kandiyohi Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Mankato Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Willmar, MN (#48820) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $24.7 mil Equity capital: $2.0 mil Deposits held in domestic offices: $22.5 mil Return on assets (ROA): 0.28% ($0.1 mil) Quarterly return on assets: 0.48% ($0.1 mil) Return on Equity (ROE): 3.56% ($0.1 mil) Quarterly return on equity: 5.80% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.40% ($98.7 mil) Quarterly Pretax return on assets: 0.63% ($155.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$24,671Total assets
$3,646Cash and due from depository institutions
$2,580Interest-bearing balances
$1,539Securities
$0Federal funds sold & reverse repurchase agreements
$18,392Net loans & leases
$211Loan loss allowance
$0Trading account assets
$374Bank premises and fixed assets
$354Other real estate owned
$0Goodwill and other intangibles
$24,671Life insurance assets
$366All other assets
$22,634Total liabilities and capital
$22,530Total liabilities
$17,676Total deposits
$22,530Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$104Subordinated debt
$2,037All other liabilities
$2,037Total equity capital
$2,037Total bank equity capital
$0Perpetual preferred stock
$345Common stock
$2,126Surplus
$-434Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$280Income earned, not collected on loans
$0Earning assets
$138Long-term assets (5+ years)
$22,511Average Assets, year-to-date
$1,125Average Assets, quarterly
$25,832Volatile liabilities
$25,227Insider loans
$17,624FHLB advances
$24,655Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,037Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,470Restructured Loans and leases
$230Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,269Total interest income
$241Total interest expense
$1,028Net interest income
$103Provision for loan and lease losses
$190Total noninterest income
$0Fiduciary activities
$111Service charges on deposit accounts
$0Trading account gains & fees
$79Additional noninterest income
$1,011Total noninterest expense
$598Salaries and employee benefits
$131Premises and equipment expense
$282Additional noninterest expense
$104Pre-tax net operating income
$0Securities gains (losses)
$31Applicable income taxes
$73Income before extraordinary items
$0Extraordinary gains - net
$73Net income attributable to bank
$0Net charge-offs
$73Cash dividends
$195Sale, conversion, retirement of capital stock, net
$95Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.41%Yield on earning assets
1.03%Cost of funding earning assets
4.38%Net interest margin
0.81%Noninterest income to earning assets
4.31%Noninterest expense to earning assets
0.28%Net operating income to assets
0.28%Return on assets (ROA)
0.40%Pretax return on assets
3.56%Return on equity (ROE)
-1.07%Retained earnings to average equity (YTD only)
1.02%Net charge-offs to loans
52.82%Credit loss provision to net charge-offs
1.06%Efficiency ratio
83,005Assets per employee
2.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
130.14%Loss allowance to loans
1.13%Loss allowance to noncurrent loans
75.36%Noncurrent assets plus other real estate owned to assets
2.57%Noncurrent loans to loans
1.51%Net loans and leases to deposits
81.63%Net loans and leases to core deposits
82.58%Equity capital to assets
8.26%Core capital (leverage) ratio
8.26%Tier 1 risk-based capital ratio
11.56%Total risk-based capital ratio
Memoranda
$13Average assets
$25,832Average earning assets
$2,051Average equity
$23,453Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6768
United Minnesota Bank
105 Central Avenue, New London, MN 56273
May 05, 1890
Full Service Brick and Mortar
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