Brainerd Savings and Loan Association, A Federal Association in Brainerd, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Brainerd Savings and Loan Association, A Federal Association in Brainerd, Minnesota (MN)
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Brainerd Savings and Loan Association, A Federal Association - Overview

  • General
  • FDIC Certificate #: 31443
    Status: Active
    Federal Reserve ID: 416973
    Date Established: January 01, 1922
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 6979
    FDIC's unique #: 44277
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: June 29, 1965
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 524 S 6th Street, Brainerd, MN 56401
    County: Crow Wing
    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
    Core Based Statistical Area (CBSA): Brainerd, MN (#14660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $65.1 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $45.9 mil
    Return on assets (ROA): 0.20% ($0.1 mil)
    Quarterly return on assets: 0.30% ($0.2 mil)
    Return on Equity (ROE): 2.72% ($0.1 mil)
    Quarterly return on equity: 4.03% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.18% ($117.1 mil)
    Quarterly Pretax return on assets: 0.38% ($247.3 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
  • 24Total employees (full-time equivalent)
  • $65,066Total assets
  • $2,003Cash and due from depository institutions
  • $656Interest-bearing balances
  • $8,041Securities
  • $698Federal funds sold & reverse repurchase agreements
  • $48,667Net loans & leases
  • $301Loan loss allowance
  • $0Trading account assets
  • $2,763Bank premises and fixed assets
  • $119Other real estate owned
  • $0Goodwill and other intangibles
  • $65,063Life insurance assets
  • $2,775All other assets
  • $60,083Total liabilities and capital
  • $45,883Total liabilities
  • $43,055Total deposits
  • $45,883Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,422Trading liabilities
  • $0Other borrowed funds
  • $778Subordinated debt
  • $4,980All other liabilities
  • $4,980Total equity capital
  • $4,980Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $4,980Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,132Income earned, not collected on loans
  • $0Earning assets
  • $253Long-term assets (5+ years)
  • $58,062Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $66,721Volatile liabilities
  • $65,916Insider loans
  • $44,042FHLB advances
  • $65,103Loans and leases held for sale
  • $923Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,017Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,990Restructured Loans and leases
  • $760Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,955Total interest income
  • $1,002Total interest expense
  • $1,953Net interest income
  • $193Provision for loan and lease losses
  • $675Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $675Additional noninterest income
  • $2,445Total noninterest expense
  • $1,430Salaries and employee benefits
  • $588Premises and equipment expense
  • $427Additional noninterest expense
  • -$10Pre-tax net operating income
  • $128Securities gains (losses)
  • -$17Applicable income taxes
  • $135Income before extraordinary items
  • $0Extraordinary gains - net
  • $135Net income attributable to bank
  • $0Net charge-offs
  • $135Cash dividends
  • $169Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 1.68%Cost of funding earning assets
  • 3.28%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 4.10%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.20%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 2.72%Return on equity (ROE)
  • 2.72%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 114.20%Credit loss provision to net charge-offs
  • 1.08%Efficiency ratio
  • 93,037Assets per employee
  • 2.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.61%Loss allowance to noncurrent loans
  • 26.59%Noncurrent assets plus other real estate owned to assets
  • 1.89%Noncurrent loans to loans
  • 2.31%Net loans and leases to deposits
  • 106.07%Net loans and leases to core deposits
  • 113.46%Equity capital to assets
  • 7.65%Core capital (leverage) ratio
  • 7.71%Tier 1 risk-based capital ratio
  • 11.39%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $66,721Average earning assets
  • $4,967Average equity
  • $59,613Average loans

List of branches

  • 2 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044277Brainerd Savings And Loan Association, A Federal Association524 S 6th Street, Brainerd, MN 56401January 01, 1922Full Service Brick and Mortar
    1284884Baxter Branch14244 Dellwood Drive N, Baxter, MN 56425August 04, 1992Full Service Brick and Mortar
steve fellegy
Is Brainerd Savings and Loan a "Minnesota Chartered Bank" or a "Federally Chartered Bank"?

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