Community First National Bank of Windom in Windom, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 1993

  • Community First National Bank of Windom in Windom, Minnesota (MN)
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Community First National Bank of Windom - Overview

  • General
  • FDIC Certificate #: 5276
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community First National Bank (#5281)
    Federal Reserve ID: 809557
    Date Established: January 01, 1881
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    OTS Docket #: 9712
    FDIC's unique #: 3545
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 1993
    Last Structure Change Process Date: July 27, 1993
    Last Data Update: July 27, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 203 Tenth Street, Windom, MN 56101
    County: Cottonwood
    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
  • Financial Summary
  • Total assets: $70.7 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $17Total assets
  • $71,026Cash and due from depository institutions
  • $2,917Interest-bearing balances
  • $596Securities
  • $24,275Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $41,381Loan loss allowance
  • $525Trading account assets
  • $0Bank premises and fixed assets
  • $616Other real estate owned
  • $0Goodwill and other intangibles
  • $1,328Life insurance assets
  • $509All other assets
  • $0Total liabilities and capital
  • $71,026Total liabilities
  • $66,231Total deposits
  • $63,491Interest-bearing deposits
  • $58,944Deposits held in domestic offices
  • 63491.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $2,114Trading liabilities
  • $0Other borrowed funds
  • $7Subordinated debt
  • $0All other liabilities
  • $619Total equity capital
  • $619Total bank equity capital
  • $4,795Perpetual preferred stock
  • $0Common stock
  • $1,600Surplus
  • $2,667Undivided profits
  • Memoranda
  • $528Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $33Income earned, not collected on loans
  • $336Earning assets
  • $66,252Long-term assets (5+ years)
  • $7,346Average Assets, year-to-date
  • $71,306Average Assets, quarterly
  • $69,954Volatile liabilities
  • $4,784Insider loans
  • $35FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,618Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,286Total risk weighted assets
  • $46,200Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,796Total interest expense
  • $2,954Net interest income
  • $2,842Provision for loan and lease losses
  • $181Total noninterest income
  • $274Fiduciary activities
  • $0Service charges on deposit accounts
  • $154Trading account gains & fees
  • $0Additional noninterest income
  • $120Total noninterest expense
  • $1,548Salaries and employee benefits
  • $468Premises and equipment expense
  • $126Additional noninterest expense
  • $954Pre-tax net operating income
  • $1,387Securities gains (losses)
  • $192Applicable income taxes
  • $571Income before extraordinary items
  • $1,008Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,008Net charge-offs
  • $35Cash dividends
  • $972Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.67%Cost of funding earning assets
  • 4.42%Net interest margin
  • 4.25%Noninterest income to earning assets
  • 0.41%Noninterest expense to earning assets
  • 2.32%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 2.21%Return on equity (ROE)
  • 20.82%Retained earnings to average equity (YTD only)
  • 0.74%Net charge-offs to loans
  • 0.10%Credit loss provision to net charge-offs
  • 517.14%Efficiency ratio
  • 44,929Assets per employee
  • 4.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.43%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 1590.91%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 65.18%Net loans and leases to core deposits
  • 68.03%Equity capital to assets
  • 6.75%Core capital (leverage) ratio
  • 6.18%Tier 1 risk-based capital ratio
  • 9.28%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $71,306Average earning assets
  • $4,841Average equity
  • $66,856Average loans

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