First National Bank Minnesota in city_name, state_name - Detailed Financial Reports, Location

First National Bank Minnesota in St. Peter, Minnesota (MN)
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First National Bank Minnesota routing number info

First National Bank Minnesota - Overview

General
FDIC Certificate #: 5247
Status: Active
Federal Reserve ID: 197759
Bank Holding Company (Regulatory Top Holder): Bancommunity Service Corporation (RSSDID: 1128460, Location: Saint Peter, MN)
Date Established: January 01, 1857
WWW: http://www.fnbmn.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 10083
FDIC's unique #: 3526
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending 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: 226 West Nassau Street, St. Peter, MN 56082
County: Nicollet
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Mankato
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Mankato-North Mankato, MN (#31860)
CBSA Metro Statistical Area: Mankato-North Mankato, MN (#31860)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $190.1 mil
Equity capital: $21.2 mil
Deposits held in domestic offices: $164.2 mil
Return on assets (ROA): 0.51% ($1.0 mil)
Quarterly return on assets: 0.74% ($1.4 mil)
Return on Equity (ROE): 4.60% ($1.0 mil)
Quarterly return on equity: 6.69% ($1.4 mil)
Net income: $0.9 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.68% ($1,293.0 mil)
Quarterly Pretax return on assets: 0.87% ($1,654.3 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
56Total employees (full-time equivalent)
$190,145Total assets
$21,111Cash and due from depository institutions
$16,922Interest-bearing balances
$35,982Securities
$6,817Federal funds sold & reverse repurchase agreements
$109,970Net loans & leases
$2,669Loan loss allowance
$0Trading account assets
$3,659Bank premises and fixed assets
$4,191Other real estate owned
$510Goodwill and other intangibles
$190,145Life insurance assets
$7,905All other assets
$168,910Total liabilities and capital
$164,212Total liabilities
$145,408Total deposits
$164,212Interest-bearing deposits
$93Deposits held in domestic offices
500.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,375Trading liabilities
$0Other borrowed funds
$823Subordinated debt
$21,235All other liabilities
$21,235Total equity capital
$21,235Total bank equity capital
$0Perpetual preferred stock
$1,512Common stock
$9,622Surplus
$10,101Undivided profits
Memoranda
$0Noncurrent loans and leases
$214Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,154Income earned, not collected on loans
$0Earning assets
$978Long-term assets (5+ years)
$169,691Average Assets, year-to-date
$24,150Average Assets, quarterly
$187,372Volatile liabilities
$189,825Insider loans
$125,242FHLB advances
$189,030Loans and leases held for sale
$5,588Unused loan commitments
$5,588Tier 1 (core) risk-based capital
$20,031Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$18,569Restructured Loans and leases
$2,678Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,758Total interest income
$1,177Total interest expense
$6,581Net interest income
$250Provision for loan and lease losses
$1,497Total noninterest income
$0Fiduciary activities
$411Service charges on deposit accounts
$0Trading account gains & fees
$1,086Additional noninterest income
$6,557Total noninterest expense
$2,874Salaries and employee benefits
$781Premises and equipment expense
$2,902Additional noninterest expense
$1,271Pre-tax net operating income
$0Securities gains (losses)
$321Applicable income taxes
$950Income before extraordinary items
$0Extraordinary gains - net
$950Net income attributable to bank
$0Net charge-offs
$950Cash dividends
$805Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.63%Yield on earning assets
0.70%Cost of funding earning assets
3.93%Net interest margin
0.89%Noninterest income to earning assets
3.92%Noninterest expense to earning assets
0.51%Net operating income to assets
0.51%Return on assets (ROA)
0.68%Pretax return on assets
4.60%Return on equity (ROE)
4.60%Retained earnings to average equity (YTD only)
0.71%Net charge-offs to loans
31.06%Credit loss provision to net charge-offs
1.89%Efficiency ratio
81,171Assets per employee
3.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.37%Loss allowance to noncurrent loans
51.79%Noncurrent assets plus other real estate owned to assets
4.91%Noncurrent loans to loans
4.58%Net loans and leases to deposits
66.97%Net loans and leases to core deposits
68.87%Equity capital to assets
11.17%Core capital (leverage) ratio
10.60%Tier 1 risk-based capital ratio
15.99%Total risk-based capital ratio
Memoranda
$17Average assets
$187,372Average earning assets
$20,667Average equity
$167,442Average loans

List of branches

3 Minnesota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3526	First National Bank Minnesota	226 West Nassau Street, St. Peter, MN 56082	January 01, 1857	Full Service Brick and Mortar
1	284128	Gaylord Branch	209 Main Avenue, Gaylord, MN 55334	January 01, 1905	Full Service Brick and Mortar
2	8342	Mankato Branch	500 Long Street, Mankato, MN 56002	March 15, 1913	Full Service Brick and Mortar

First National Bank Minnesota in St. Peter, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank Minnesota - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank Minnesota in St. Peter, Minnesota (MN)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank Minnesota - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank Minnesota in St. Peter, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches