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
    WWW: http://www.brainerdsavings.com
    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

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