Union State Bank of Browns Valley in Browns Valley, Minnesota (MN)
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 5 |
| Total assets | $21,682 |
| Cash and due from depository institutions | $6,091 |
| Interest-bearing balances | $4,634 |
| Securities | $6,396 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $8,848 |
| Loan loss allowance | $108 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $25 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $322 |
| Life insurance assets | $21,682 |
| Total liabilities and capital | $18,947 |
| Total liabilities | $18,911 |
| Total deposits | $14,960 |
| Interest-bearing deposits | $18,911 |
| Deposits held in domestic offices | $100 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $36 |
| All other liabilities | $2,735 |
| Total equity capital | $2,735 |
| Total bank equity capital | $2,735 |
| Perpetual preferred stock | $0 |
| Common stock | $75 |
| Surplus | $1,425 |
| Undivided profits | $1,235 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $0 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $230 |
| Average Assets, year-to-date | $19,878 |
| Average Assets, quarterly | $1,161 |
| Volatile liabilities | $21,075 |
| Insider loans | $20,824 |
| FHLB advances | $11,264 |
| Loans and leases held for sale | $21,030 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $2,514 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $0 |
| Derivatives | $58 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $714 |
| Total interest expense | $176 |
| Net interest income | $538 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $30 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $25 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $5 |
| Total noninterest expense | $330 |
| Salaries and employee benefits | $182 |
| Premises and equipment expense | $42 |
| Additional noninterest expense | $106 |
| Pre-tax net operating income | $238 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $238 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $238 |
| Net charge-offs | $0 |
| Cash dividends | $238 |
| Sale, conversion, retirement of capital stock, net | $4 |
| Net operating income | $223 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 3.72% |
| Cost of funding earning assets | 0.92% |
| Net interest margin | 2.80% |
| Noninterest income to earning assets | 0.16% |
| Noninterest expense to earning assets | 1.72% |
| Net operating income to assets | 1.13% |
| Return on assets (ROA) | 1.13% |
| Pretax return on assets | 1.13% |
| Return on equity (ROE) | 9.06% |
| Retained earnings to average equity (YTD only) | 0.57% |
| Net charge-offs to loans | 0.05% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 59.50% |
| Assets per employee | $58,099 |
| Cash dividends to net income (YTD only) | 4.34% |
| Condition Ratios (%) | |
| Loss allowance to loans | 93.70% |
| Loss allowance to noncurrent loans | 1.21% |
| Noncurrent assets plus other real estate owned to assets | 0.00% |
| Noncurrent loans to loans | 0.00% |
| Net loans and leases to deposits | 0.00% |
| Net loans and leases to core deposits | 46.79% |
| Equity capital to assets | 46.79% |
| Core capital (leverage) ratio | 12.61% |
| Tier 1 risk-based capital ratio | 11.95% |
| Total risk-based capital ratio | 22.32% |
| Memoranda | |
| Average assets | $23 |
| Average earning assets | $21,075 |
| Average equity | $2,626 |
| Average loans | $19,184 |
| 1 Minnesota Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 6249 | Union State Bank Of Browns Valley | 325 W Broadway, Browns Valley, MN 56219 | January 01, 1926 | Full Service Brick and Mortar |  |
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