American Bank National Association in St. Paul, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 12, 1996

  • American Bank National Association in St. Paul, Minnesota (MN)
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American Bank National Association - Overview

  • General
  • FDIC Certificate #: 5243
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Firstar Bank of Minnesota, National Association (#21076)
    Federal Reserve ID: 747752
    Date Established: May 03, 1903
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    OTS Docket #: 11645
    FDIC's unique #: 3523
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 12, 1996
    Last Structure Change Process Date: July 26, 1996
    Last Data Update: July 26, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 370 Minnesota Street, St. Paul, MN 55101
    County: Ramsey
    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)
  • Financial Summary
  • Total assets: $820.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $354Total assets
  • $833,674Cash and due from depository institutions
  • $102,597Interest-bearing balances
  • $0Securities
  • $222,873Federal funds sold & reverse repurchase agreements
  • $33,908Net loans & leases
  • $417,768Loan loss allowance
  • $7,373Trading account assets
  • $20,539Bank premises and fixed assets
  • $8,863Other real estate owned
  • $130Goodwill and other intangibles
  • $26,996Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $833,674Total liabilities
  • $773,777Total deposits
  • $613,745Interest-bearing deposits
  • $400,093Deposits held in domestic offices
  • 613745.00%% insured (estimated)
  • $63Federal funds purchased & repurchase agreements
  • $126,171Trading liabilities
  • $2,248Other borrowed funds
  • $14,604Subordinated debt
  • $0All other liabilities
  • $17,009Total equity capital
  • $17,009Total bank equity capital
  • $59,897Perpetual preferred stock
  • $0Common stock
  • $4,750Surplus
  • $11,400Undivided profits
  • Memoranda
  • $43,747Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $213Income earned, not collected on loans
  • $2,803Earning assets
  • $695,088Long-term assets (5+ years)
  • $94,732Average Assets, year-to-date
  • $763,130Average Assets, quarterly
  • $792,128Volatile liabilities
  • $149,198Insider loans
  • $9,528FHLB advances
  • $0Loans and leases held for sale
  • $65Unused loan commitments
  • $152,619Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $60,185Total risk weighted assets
  • $572,396Total unused commitments
  • $0Restructured Loans and leases
  • $50,000Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $52,814Total interest expense
  • $24,508Net interest income
  • $28,306Provision for loan and lease losses
  • -$949Total noninterest income
  • $18,209Fiduciary activities
  • $6,927Service charges on deposit accounts
  • $3,611Trading account gains & fees
  • $2,208Additional noninterest income
  • $5,463Total noninterest expense
  • $31,486Salaries and employee benefits
  • $17,249Premises and equipment expense
  • $5,492Additional noninterest expense
  • $8,745Pre-tax net operating income
  • $15,978Securities gains (losses)
  • $0Applicable income taxes
  • $5,858Income before extraordinary items
  • $10,120Extraordinary gains - net
  • $0Net income attributable to bank
  • $10,120Net charge-offs
  • -$317Cash dividends
  • $9,996Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.07%Cost of funding earning assets
  • 3.75%Net interest margin
  • 4.33%Noninterest income to earning assets
  • 2.78%Noninterest expense to earning assets
  • 4.81%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 2.09%Return on equity (ROE)
  • 17.46%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • -0.08%Credit loss provision to net charge-offs
  • 299.37%Efficiency ratio
  • 67,690Assets per employee
  • 2.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 98.77%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 3461.50%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 68.07%Net loans and leases to core deposits
  • 70.45%Equity capital to assets
  • 7.18%Core capital (leverage) ratio
  • 7.69%Tier 1 risk-based capital ratio
  • 10.51%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $763,130Average earning assets
  • $57,973Average equity
  • $654,213Average loans

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