Vitals
  • Total Assets
    48.5M 0.2 %
  • Total Deposits
    42.6M -0.7 %
  • Total Net Loans
    41.3M -0.4 %
  • Net Income
    677000.0000 3.5 %
  • Book Value
    5.7M 9.0 %
  • Book Value x2
    11.4M 9.0 %
  • Book Value x3
    17.1M 9.0 %
ROAA

1.404

ROAE

12.439

Efficiency Ratio

34.746

Net Interest Margin

3.754

Balance Sheet Highlights
Financial Highlights Frost State Bank All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 48,502 147,703
Total Net Loans 41,340 97,223
Total Deposits 42,641 126,600
Total Equity 5,706 15,565
Profitability
Net Income 677 1,683
Return on Average Assets 1.404 1.08
Return on Average Equity 12.439 9.905
Net Interest Margin 3.754 3.845
Efficiency Ratio 34.746 68.21
Noninterest Income/Revenue 6.025 13.68
Balance Sheet Ratios
Loan-to-Deposit 96.949 75.205
Securities/Assets .025 .174
Total Equity/Total Assets .118 .105
Tangible Equity/Tangible Assets .118 .103
Capital Adequacy
Tier 1 Common Capital 5,709 15,225
Tier 1 Capital 5,709 15,232
Tier 2 Capital 537 1,135
Total Capital 6,246 16,386
Total Risk Weighted Assets 42,825 105,251
Leverage Ratio 11.74 10.475
Common Equity Tier 1 Capital Ratio 13.33 15.3
Tier 1 Capital Ratio 13.33 15.308
Total Capital Ratio 14.58 16.398

Timeline for Frost State Bank

Citizens Investment Co., Inc.

Citizens Investment Co., Inc. became a new parent organization for Frost State Bank.

View Profile Apr 07 1989

State Bank Of Frost

Acquisition: Frost State Bank acquired a new subsidiary, State Bank Of Frost, 38 years

View Profile Dec 23 1985

Frost State Bank

Frost State Bank was established 38 years ago and is currently headquartered in Frost, MN.

Dec 20 1985
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
State Bank Of Frost Seller 7,736 Failure 12/23/1985
Relationships Role Relationship Start Relationship End
Citizens Investment Co., Inc. Parent 4/7/1989 5/7/1992
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