Marshall County State Bank in Newfolden, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches


Marshall County State Bank - Overview

  • General
  • FDIC Certificate #: 9752
    Status: Active
    Federal Reserve ID: 720157
    Date Established: October 20, 1922
    WWW: http://www.mcsbnewfolden.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 #: 6239
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 18, 2009
    Last Structure Change Process Date: Febuary 18, 2009
    Last Data Update: Febuary 18, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 118 East Minnesota, Newfolden, MN 56738
    County: Marshall
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Grand Forks
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $27.7 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $22.6 mil
    Return on assets (ROA): 0.83% ($0.2 mil)
    Quarterly return on assets: 0.93% ($0.3 mil)
    Return on Equity (ROE): 4.28% ($0.2 mil)
    Quarterly return on equity: 5.03% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.83% ($229.6 mil)
    Quarterly Pretax return on assets: 0.93% ($257.3 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
  • 5Total employees (full-time equivalent)
  • $27,668Total assets
  • $13,500Cash and due from depository institutions
  • $12,380Interest-bearing balances
  • $4,477Securities
  • $350Federal funds sold & reverse repurchase agreements
  • $9,147Net loans & leases
  • $333Loan loss allowance
  • $0Trading account assets
  • $66Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $27,668Life insurance assets
  • $128All other assets
  • $22,626Total liabilities and capital
  • $22,584Total liabilities
  • $18,648Total deposits
  • $22,584Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $42Subordinated debt
  • $5,042All other liabilities
  • $5,042Total equity capital
  • $5,042Total bank equity capital
  • $0Perpetual preferred stock
  • $42Common stock
  • $809Surplus
  • $4,191Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17Income earned, not collected on loans
  • $0Earning assets
  • $98Long-term assets (5+ years)
  • $26,354Average Assets, year-to-date
  • $640Average Assets, quarterly
  • $26,300Volatile liabilities
  • $26,998Insider loans
  • $9,234FHLB advances
  • $27,568Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,018Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $302Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $748Total interest income
  • $151Total interest expense
  • $597Net interest income
  • $6Provision for loan and lease losses
  • $99Total noninterest income
  • $0Fiduciary activities
  • $75Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24Additional noninterest income
  • $473Total noninterest expense
  • $267Salaries and employee benefits
  • $26Premises and equipment expense
  • $180Additional noninterest expense
  • $217Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $217Income before extraordinary items
  • $0Extraordinary gains - net
  • $217Net income attributable to bank
  • $0Net charge-offs
  • $217Cash dividends
  • -$5Sale, conversion, retirement of capital stock, net
  • $332Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.25%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 2.59%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.06%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 4.28%Return on equity (ROE)
  • -2.27%Retained earnings to average equity (YTD only)
  • -0.06%Net charge-offs to loans
  • -120.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,960Assets per employee
  • 5.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 153.00%Loss allowance to loans
  • 3.51%Loss allowance to noncurrent loans
  • 1958.82%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 40.50%Net loans and leases to core deposits
  • 40.50%Equity capital to assets
  • 18.22%Core capital (leverage) ratio
  • 18.20%Tier 1 risk-based capital ratio
  • 54.34%Total risk-based capital ratio
  • Memoranda
  • $56Average assets
  • $26,300Average earning assets
  • $5,072Average equity
  • $23,006Average loans

List of branches

  • 1 Minnesota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06239Marshall County State Bank118 East Minnesota, Newfolden, MN 56738October 20, 1922Full Service Brick and Mortar

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