Crow River State Bank in Delano, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Crow River State Bank in Delano, Minnesota (MN)
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Crow River State Bank - Overview

  • General
  • FDIC Certificate #: 23986
    Status: Active
    Federal Reserve ID: 157650
    Bank Holding Company (Regulatory Top Holder): Crsb Bancorp, Inc. (RSSDID: 3079182, Location: Delano, MN)
    Date Established: June 24, 1982
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 16727
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: June 24, 1982
    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: 710 Babcock Boulevard, Delano, MN 55328
    County: Wright
    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
    Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120)
    Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
    Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
    CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $81.8 mil
    Equity capital: $8.5 mil
    Deposits held in domestic offices: $65.8 mil
    Return on assets (ROA): 1.15% ($0.9 mil)
    Quarterly return on assets: 1.05% ($0.9 mil)
    Return on Equity (ROE): 11.63% ($1.0 mil)
    Quarterly return on equity: 9.88% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.16% ($949.0 mil)
    Quarterly Pretax return on assets: 1.05% ($859.0 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
  • 43Total employees (full-time equivalent)
  • $81,810Total assets
  • $7,202Cash and due from depository institutions
  • $1,735Interest-bearing balances
  • $44,839Securities
  • $592Federal funds sold & reverse repurchase agreements
  • $27,317Net loans & leases
  • $421Loan loss allowance
  • $0Trading account assets
  • $508Bank premises and fixed assets
  • $71Other real estate owned
  • $0Goodwill and other intangibles
  • $81,810Life insurance assets
  • $1,281All other assets
  • $73,278Total liabilities and capital
  • $65,752Total liabilities
  • $52,838Total deposits
  • $65,752Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,200Trading liabilities
  • $0Other borrowed funds
  • $326Subordinated debt
  • $8,532All other liabilities
  • $8,532Total equity capital
  • $8,532Total bank equity capital
  • $0Perpetual preferred stock
  • $596Common stock
  • $4,404Surplus
  • $3,532Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $415Income earned, not collected on loans
  • $0Earning assets
  • $518Long-term assets (5+ years)
  • $74,483Average Assets, year-to-date
  • $40,971Average Assets, quarterly
  • $77,859Volatile liabilities
  • $79,971Insider loans
  • $37,503FHLB advances
  • $78,029Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,618Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,181Restructured Loans and leases
  • $28Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,601Total interest income
  • $657Total interest expense
  • $2,944Net interest income
  • $145Provision for loan and lease losses
  • $1,023Total noninterest income
  • $0Fiduciary activities
  • $388Service charges on deposit accounts
  • $0Trading account gains & fees
  • $635Additional noninterest income
  • $3,076Total noninterest expense
  • $1,696Salaries and employee benefits
  • $275Premises and equipment expense
  • $1,105Additional noninterest expense
  • $746Pre-tax net operating income
  • $154Securities gains (losses)
  • $2Applicable income taxes
  • $898Income before extraordinary items
  • $0Extraordinary gains - net
  • $898Net income attributable to bank
  • $0Net charge-offs
  • $898Cash dividends
  • $32Sale, conversion, retirement of capital stock, net
  • $561Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 4.04%Net interest margin
  • 1.40%Noninterest income to earning assets
  • 4.22%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 11.63%Return on equity (ROE)
  • 4.37%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 453.13%Credit loss provision to net charge-offs
  • 27.84%Efficiency ratio
  • 77,540Assets per employee
  • 1.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.47%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 101.45%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 1.50%Net loans and leases to deposits
  • 41.55%Net loans and leases to core deposits
  • 41.55%Equity capital to assets
  • 10.43%Core capital (leverage) ratio
  • 9.76%Tier 1 risk-based capital ratio
  • 20.31%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $77,859Average earning assets
  • $7,720Average equity
  • $72,834Average loans

List of branches

  • 2 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016727Crow River State Bank710 Babcock Boulevard, Delano, MN 55328June 24, 1982Full Service Brick and Mortar
    1256849Mound Branch2290 Commerce Boulevard, Mound, MN 55364March 04, 1997Full Service Brick and Mortar

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