FDIC Certificate #: 8199 Status: Active Federal Reserve ID: 80552 Bank Holding Company (Regulatory Top Holder): Hamburg Financial, Inc. (RSSDID: 1128086, Location: Excelsior, MN) Date Established: December 05, 1904 WWW:http://www.statebankofhamburg.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 #: 5225 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: Yes 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: 591 Park Avenue, Hamburg, MN 55339 County: Carver 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: $20.6 mil Equity capital: $1.7 mil Deposits held in domestic offices: $18.7 mil Return on assets (ROA): 0.44% ($0.1 mil) Quarterly return on assets: -0.08% (-$0.0 mil) Return on Equity (ROE): 5.28% ($0.1 mil) Quarterly return on equity: -0.93% (-$0.0 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.45% ($92.5 mil) Quarterly Pretax return on assets: -0.08% (-$16.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$20,558Total assets
$5,216Cash and due from depository institutions
$3,789Interest-bearing balances
$2,872Securities
$0Federal funds sold & reverse repurchase agreements
$11,392Net loans & leases
$191Loan loss allowance
$0Trading account assets
$443Bank premises and fixed assets
$66Other real estate owned
$0Goodwill and other intangibles
$20,558Life insurance assets
$569All other assets
$18,848Total liabilities and capital
$18,727Total liabilities
$14,637Total deposits
$18,727Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$121Subordinated debt
$1,710All other liabilities
$1,710Total equity capital
$1,710Total bank equity capital
$0Perpetual preferred stock
$350Common stock
$1,545Surplus
$-185Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$16Income earned, not collected on loans
$0Earning assets
$74Long-term assets (5+ years)
$18,053Average Assets, year-to-date
$3,006Average Assets, quarterly
$20,188Volatile liabilities
$20,449Insider loans
$12,111FHLB advances
$20,687Loans and leases held for sale
$372Unused loan commitments
$372Tier 1 (core) risk-based capital
$1,679Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,403Restructured Loans and leases
$180Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$875Total interest income
$188Total interest expense
$687Net interest income
$20Provision for loan and lease losses
$124Total noninterest income
$0Fiduciary activities
$39Service charges on deposit accounts
$0Trading account gains & fees
$85Additional noninterest income
$701Total noninterest expense
$336Salaries and employee benefits
$93Premises and equipment expense
$272Additional noninterest expense
$90Pre-tax net operating income
$0Securities gains (losses)
$2Applicable income taxes
$88Income before extraordinary items
$0Extraordinary gains - net
$88Net income attributable to bank
$0Net charge-offs
$88Cash dividends
$140Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.90%Yield on earning assets
1.05%Cost of funding earning assets
3.85%Net interest margin
0.69%Noninterest income to earning assets
3.93%Noninterest expense to earning assets
0.44%Net operating income to assets
0.44%Return on assets (ROA)
0.45%Pretax return on assets
5.28%Return on equity (ROE)
5.28%Retained earnings to average equity (YTD only)
1.23%Net charge-offs to loans
14.29%Credit loss provision to net charge-offs
0.79%Efficiency ratio
86,436Assets per employee
3.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.65%Loss allowance to noncurrent loans
1193.75%Noncurrent assets plus other real estate owned to assets
0.40%Noncurrent loans to loans
0.14%Net loans and leases to deposits
60.83%Net loans and leases to core deposits
60.83%Equity capital to assets
8.32%Core capital (leverage) ratio
8.12%Tier 1 risk-based capital ratio
13.86%Total risk-based capital ratio
Memoranda
$15Average assets
$20,188Average earning assets
$1,665Average equity
$17,850Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5225
State Bank Of Hamburg
591 Park Avenue, Hamburg, MN 55339
December 05, 1904
Full Service Brick and Mortar
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