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

This bank is inactive as of October 02, 1995

  • The Highland Bank in St. Paul, Minnesota (MN)
  • Show street view No street view available for this location

The Highland Bank - Overview

  • General
  • FDIC Certificate #: 16391
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Highland Bank (#16111)
    Federal Reserve ID: 766557
    Date Established: April 01, 1946
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 10092
    FDIC's unique #: 10570
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 01, 1946
    Last Structure Change Effective Date: October 02, 1995
    Last Structure Change Process Date: December 14, 1995
    Last Data Update: December 14, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 2004 Ford Parkway, St. Paul, MN 55116
    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: $108.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $43Total assets
  • $110,933Cash and due from depository institutions
  • $6,520Interest-bearing balances
  • $0Securities
  • $53,374Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $48,108Loan loss allowance
  • $1,184Trading account assets
  • $0Bank premises and fixed assets
  • $1,689Other real estate owned
  • $0Goodwill and other intangibles
  • $1,242Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $110,933Total liabilities
  • $104,516Total deposits
  • $85,587Interest-bearing deposits
  • $66,214Deposits held in domestic offices
  • 85587.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $18,244Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $685Total equity capital
  • $685Total bank equity capital
  • $6,417Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $3,000Undivided profits
  • Memoranda
  • $2,667Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $128Income earned, not collected on loans
  • $256Earning assets
  • $101,482Long-term assets (5+ years)
  • $27,462Average Assets, year-to-date
  • $93,225Average Assets, quarterly
  • $107,107Volatile liabilities
  • $22,515Insider loans
  • $73FHLB advances
  • $0Loans and leases held for sale
  • $514Unused loan commitments
  • $10,247Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,590Total risk weighted assets
  • $59,716Total unused commitments
  • $0Restructured Loans and leases
  • $18,000Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,411Total interest expense
  • $2,035Net interest income
  • $4,376Provision for loan and lease losses
  • $31Total noninterest income
  • $916Fiduciary activities
  • $0Service charges on deposit accounts
  • $586Trading account gains & fees
  • $0Additional noninterest income
  • $330Total noninterest expense
  • $3,459Salaries and employee benefits
  • $1,623Premises and equipment expense
  • $364Additional noninterest expense
  • $1,472Pre-tax net operating income
  • $1,802Securities gains (losses)
  • -$15Applicable income taxes
  • $739Income before extraordinary items
  • $1,048Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,048Net charge-offs
  • -$350Cash dividends
  • $1,200Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.48%Cost of funding earning assets
  • 2.38%Net interest margin
  • 5.11%Noninterest income to earning assets
  • 1.07%Noninterest expense to earning assets
  • 4.04%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 1.92%Return on equity (ROE)
  • 15.98%Retained earnings to average equity (YTD only)
  • -2.32%Net charge-offs to loans
  • -0.80%Credit loss provision to net charge-offs
  • -8.86%Efficiency ratio
  • 65,363Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 114.50%Loss allowance to loans
  • 2.40%Loss allowance to noncurrent loans
  • 925.00%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 56.21%Net loans and leases to core deposits
  • 59.16%Equity capital to assets
  • 5.78%Core capital (leverage) ratio
  • 6.17%Tier 1 risk-based capital ratio
  • 11.04%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $93,225Average earning assets
  • $6,560Average equity
  • $85,671Average loans

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Highland Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents