State Bank of Chandler in Chandler, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Chandler - Overview

  • General
  • FDIC Certificate #: 8858
    Status: Active
    Federal Reserve ID: 112556
    Bank Holding Company (Regulatory Top Holder): Chandler Bancshares, Inc. (RSSDID: 1843688, Location: Chandler, MN)
    Date Established: January 01, 1902
    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 #: 5653
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: Fourth And Main, Chandler, MN 56122
    County: Murray
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux Falls
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $45.2 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $36.6 mil
    Return on assets (ROA): 0.90% ($0.4 mil)
    Quarterly return on assets: 0.74% ($0.3 mil)
    Return on Equity (ROE): 8.44% ($0.4 mil)
    Quarterly return on equity: 6.82% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.12% ($506.5 mil)
    Quarterly Pretax return on assets: 0.37% ($167.3 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
  • 9Total employees (full-time equivalent)
  • $45,226Total assets
  • $5,787Cash and due from depository institutions
  • $490Interest-bearing balances
  • $14,168Securities
  • $839Federal funds sold & reverse repurchase agreements
  • $23,145Net loans & leases
  • $402Loan loss allowance
  • $0Trading account assets
  • $195Bank premises and fixed assets
  • $72Other real estate owned
  • $0Goodwill and other intangibles
  • $45,226Life insurance assets
  • $1,020All other assets
  • $40,602Total liabilities and capital
  • $36,650Total liabilities
  • $25,414Total deposits
  • $36,650Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $452Subordinated debt
  • $4,624All other liabilities
  • $4,624Total equity capital
  • $4,624Total bank equity capital
  • $0Perpetual preferred stock
  • $95Common stock
  • $2,905Surplus
  • $1,624Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $532Long-term assets (5+ years)
  • $38,642Average Assets, year-to-date
  • $9,895Average Assets, quarterly
  • $40,677Volatile liabilities
  • $42,359Insider loans
  • $26,793FHLB advances
  • $39,954Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,230Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,352Restructured Loans and leases
  • $7Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,701Total interest income
  • $320Total interest expense
  • $1,381Net interest income
  • $46Provision for loan and lease losses
  • $111Total noninterest income
  • $0Fiduciary activities
  • $57Service charges on deposit accounts
  • $0Trading account gains & fees
  • $54Additional noninterest income
  • $996Total noninterest expense
  • $591Salaries and employee benefits
  • $102Premises and equipment expense
  • $303Additional noninterest expense
  • $450Pre-tax net operating income
  • $6Securities gains (losses)
  • $88Applicable income taxes
  • $368Income before extraordinary items
  • $0Extraordinary gains - net
  • $368Net income attributable to bank
  • $0Net charge-offs
  • $368Cash dividends
  • -$7Sale, conversion, retirement of capital stock, net
  • $154Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.66%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 8.44%Return on equity (ROE)
  • 4.91%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -657.14%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,756Assets per employee
  • 5.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.85%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 63.15%Net loans and leases to core deposits
  • 65.85%Equity capital to assets
  • 10.22%Core capital (leverage) ratio
  • 10.59%Tier 1 risk-based capital ratio
  • 15.79%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $40,677Average earning assets
  • $4,362Average equity
  • $36,473Average loans

List of branches

  • 1 Minnesota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05653State Bank Of ChandlerFourth And Main, Chandler, MN 56122January 01, 1902Full Service Brick and Mortar

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