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

American Bank of St. Paul - Overview

  • General
  • FDIC Certificate #: 20843
    Status: Active
    Federal Reserve ID: 34153
    Bank Holding Company (Regulatory Top Holder): American Bancorporation (RSSDID: 2173720, Location: Saint Paul, MN)
    Date Established: October 24, 1972
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 10 (Domestic: 10, Interstate: No)
    FDIC's unique #: 14400
    Numeric code: 13
    Regulator: FED
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 24, 1972
    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: 1578 University Avenue West, Saint Paul, MN 55104
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $413.3 mil
    Equity capital: $22.5 mil
    Deposits held in domestic offices: $387.8 mil
    Return on assets (ROA): -1.29% (-$5.3 mil)
    Quarterly return on assets: -2.09% (-$8.6 mil)
    Return on Equity (ROE): -22.75% (-$5.0 mil)
    Quarterly return on equity: -37.01% (-$8.1 mil)
    Net income: -$5.8 mil
    Quarterly Net income: -$2.2 mil
    Pretax return on assets: -1.24% (-$5,125.3 mil)
    Quarterly Pretax return on assets: -2.07% (-$8,556.0 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
  • 190Total employees (full-time equivalent)
  • $413,334Total assets
  • $63,408Cash and due from depository institutions
  • $56,318Interest-bearing balances
  • $86,315Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $223,317Net loans & leases
  • $18,286Loan loss allowance
  • $0Trading account assets
  • $17,798Bank premises and fixed assets
  • $15,789Other real estate owned
  • $0Goodwill and other intangibles
  • $413,334Life insurance assets
  • $6,707All other assets
  • $390,842Total liabilities and capital
  • $387,847Total liabilities
  • $287,419Total deposits
  • $387,847Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $874Trading liabilities
  • $0Other borrowed funds
  • $2,121Subordinated debt
  • $22,492All other liabilities
  • $22,492Total equity capital
  • $22,492Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $67,733Surplus
  • $-45,441Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $90Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,710Income earned, not collected on loans
  • $14Earning assets
  • $1,510Long-term assets (5+ years)
  • $365,950Average Assets, year-to-date
  • $74,850Average Assets, quarterly
  • $448,107Volatile liabilities
  • $421,590Insider loans
  • $279,259FHLB advances
  • $420,425Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,751Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,837Restructured Loans and leases
  • $427Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,162Total interest income
  • $3,594Total interest expense
  • $13,568Net interest income
  • $2,920Provision for loan and lease losses
  • $8,468Total noninterest income
  • $0Fiduciary activities
  • $819Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7,649Additional noninterest income
  • $24,912Total noninterest expense
  • $13,625Salaries and employee benefits
  • $3,574Premises and equipment expense
  • $7,713Additional noninterest expense
  • -$5,796Pre-tax net operating income
  • $224Securities gains (losses)
  • $230Applicable income taxes
  • -$5,802Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5,802Net income attributable to bank
  • $0Net charge-offs
  • -$5,802Cash dividends
  • $5,999Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.35%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.44%Net interest margin
  • 2.15%Noninterest income to earning assets
  • 6.31%Noninterest expense to earning assets
  • -1.34%Net operating income to assets
  • -1.29%Return on assets (ROA)
  • -1.24%Pretax return on assets
  • -22.75%Return on equity (ROE)
  • -22.75%Retained earnings to average equity (YTD only)
  • 2.15%Net charge-offs to loans
  • 48.67%Credit loss provision to net charge-offs
  • -0.48%Efficiency ratio
  • 113,029Assets per employee
  • 2.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 7.57%Loss allowance to noncurrent loans
  • 116.40%Noncurrent assets plus other real estate owned to assets
  • 7.62%Noncurrent loans to loans
  • 6.50%Net loans and leases to deposits
  • 57.58%Net loans and leases to core deposits
  • 58.56%Equity capital to assets
  • 5.44%Core capital (leverage) ratio
  • 5.17%Tier 1 risk-based capital ratio
  • 7.79%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $448,107Average earning assets
  • $25,508Average equity
  • $394,551Average loans

List of branches

  • 10 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014400American Bank Of St. Paul1578 University Avenue West, Saint Paul, MN 55104October 24, 1972Full Service Brick and Mortar
    1251797Inver Grove Heights Branch7055 Cahill Avenue, Inver Grove Heights, MN 55076January 30, 1978Full Service Brick and Mortar
    312931Phalen Branch1425 Maryland Ave. East, St. Paul, MN 55106April 27, 1964Full Service Brick and Mortar
    4251799Highland Branch2310 West Seventh Street, St. Paul, MN 55116August 07, 1995Full Service Brick and Mortar
    73525Mendota Heights Branch1060 Dakota Dr, Mendota Heights, MN 55120October 10, 1927Full Service Brick and Mortar
    836314Apple Valley Branch14295 Cedar Avenue, Apple Valley, MN 55124March 04, 1987Full Service Brick and Mortar
    9207402Burnsville Branch14300 Nicollet Court, Burnsville, MN 55306September 08, 1989Full Service Brick and Mortar
    10207403Friendship Village Branch8100 Highwood Drive, Bloomington, MN 55438August 15, 1988Full Service Brick and Mortar
    113465Albert Lea Branch217 South Newton Avenue, Albert Lea, MN 56007Febuary 15, 1910Full Service Brick and Mortar
    123395Alden Branch195 North Broadway, Alden, MN 56009Febuary 17, 1903Full Service Brick and Mortar

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