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

This bank is inactive as of July 12, 1996

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

  • General
  • FDIC Certificate #: 9771
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Firstar Bank of Minnesota, National Association (#21076)
    Federal Reserve ID: 796059
    Date Established: April 01, 1933
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 11761
    FDIC's unique #: 6255
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    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: 35 West 5th Street, St. Paul, MN 55102
    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: $275.3 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)
  • $100Total assets
  • $295,065Cash and due from depository institutions
  • $22,700Interest-bearing balances
  • $52Securities
  • $52,959Federal funds sold & reverse repurchase agreements
  • $20,917Net loans & leases
  • $189,851Loan loss allowance
  • $3,105Trading account assets
  • $0Bank premises and fixed assets
  • $3,449Other real estate owned
  • $129Goodwill and other intangibles
  • $5,060Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $295,065Total liabilities
  • $265,949Total deposits
  • $251,125Interest-bearing deposits
  • $166,915Deposits held in domestic offices
  • 251125.00%% insured (estimated)
  • $74Federal funds purchased & repurchase agreements
  • $12,483Trading liabilities
  • $0Other borrowed funds
  • $891Subordinated debt
  • $0All other liabilities
  • $1,450Total equity capital
  • $1,450Total bank equity capital
  • $29,116Perpetual preferred stock
  • $0Common stock
  • $1,002Surplus
  • $17,098Undivided profits
  • Memoranda
  • $11,016Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $892Income earned, not collected on loans
  • $1,319Earning assets
  • $263,779Long-term assets (5+ years)
  • $25,587Average Assets, year-to-date
  • $293,140Average Assets, quarterly
  • $293,598Volatile liabilities
  • $36,790Insider loans
  • $1,143FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $92,170Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $28,943Total risk weighted assets
  • $215,576Total unused commitments
  • $0Restructured Loans and leases
  • $17,000Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $23,217Total interest expense
  • $7,014Net interest income
  • $16,203Provision for loan and lease losses
  • $1,518Total noninterest income
  • $2,494Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,400Trading account gains & fees
  • $0Additional noninterest income
  • $1,094Total noninterest expense
  • $9,817Salaries and employee benefits
  • $4,790Premises and equipment expense
  • $1,318Additional noninterest expense
  • $3,709Pre-tax net operating income
  • $7,362Securities gains (losses)
  • $23Applicable income taxes
  • $2,955Income before extraordinary items
  • $4,430Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,430Net charge-offs
  • $1,599Cash dividends
  • $8,450Sale, 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
  • 8.61%Cost of funding earning assets
  • 2.60%Net interest margin
  • 6.01%Noninterest income to earning assets
  • 0.92%Noninterest expense to earning assets
  • 3.64%Net operating income to assets
  • 1.51%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 2.52%Return on equity (ROE)
  • 15.73%Retained earnings to average equity (YTD only)
  • -14.27%Net charge-offs to loans
  • 0.80%Credit loss provision to net charge-offs
  • 94.93%Efficiency ratio
  • 52,506Assets per employee
  • 2.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 190.74%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 348.09%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 75.60%Net loans and leases to core deposits
  • 83.70%Equity capital to assets
  • 9.87%Core capital (leverage) ratio
  • 9.95%Tier 1 risk-based capital ratio
  • 13.43%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $293,140Average earning assets
  • $28,168Average equity
  • $269,736Average loans

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