American Heritage National Bank in Long Prairie, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Heritage National Bank - Overview

  • General
  • FDIC Certificate #: 8843
    Status: Active
    Federal Reserve ID: 61757
    Date Established: September 01, 1881
    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: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 5638
    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: 24 2nd Street South, Long Prairie, MN 56347
    County: Todd
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Fargo
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $211.6 mil
    Equity capital: $23.9 mil
    Deposits held in domestic offices: $186.9 mil
    Return on assets (ROA): 0.62% ($1.3 mil)
    Quarterly return on assets: -0.77% (-$1.6 mil)
    Return on Equity (ROE): 5.36% ($1.3 mil)
    Quarterly return on equity: -6.68% (-$1.6 mil)
    Net income: $1.3 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: 1.00% ($2,115.5 mil)
    Quarterly Pretax return on assets: -0.99% (-$2,094.4 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
  • 47Total employees (full-time equivalent)
  • $211,551Total assets
  • $37,509Cash and due from depository institutions
  • $35,584Interest-bearing balances
  • $20,808Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $143,668Net loans & leases
  • $3,138Loan loss allowance
  • $0Trading account assets
  • $4,671Bank premises and fixed assets
  • $970Other real estate owned
  • $0Goodwill and other intangibles
  • $211,551Life insurance assets
  • $3,925All other assets
  • $187,641Total liabilities and capital
  • $186,938Total liabilities
  • $142,666Total deposits
  • $186,938Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $703Subordinated debt
  • $23,910All other liabilities
  • $23,910Total equity capital
  • $23,910Total bank equity capital
  • $0Perpetual preferred stock
  • $540Common stock
  • $820Surplus
  • $22,550Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $670Income earned, not collected on loans
  • $0Earning assets
  • $562Long-term assets (5+ years)
  • $200,060Average Assets, year-to-date
  • $15,981Average Assets, quarterly
  • $205,346Volatile liabilities
  • $208,190Insider loans
  • $146,579FHLB advances
  • $212,504Loans and leases held for sale
  • $1,587Unused loan commitments
  • $1,587Tier 1 (core) risk-based capital
  • $23,906Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,645Restructured Loans and leases
  • $21Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,857Total interest income
  • $1,668Total interest expense
  • $7,189Net interest income
  • $550Provision for loan and lease losses
  • $287Total noninterest income
  • $0Fiduciary activities
  • $580Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$293Additional noninterest income
  • $4,881Total noninterest expense
  • $2,869Salaries and employee benefits
  • $1,049Premises and equipment expense
  • $963Additional noninterest expense
  • $2,045Pre-tax net operating income
  • $0Securities gains (losses)
  • $780Applicable income taxes
  • $1,265Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,265Net income attributable to bank
  • $0Net charge-offs
  • $1,265Cash dividends
  • $203Sale, 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
  • 0.87%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 5.36%Return on equity (ROE)
  • 5.36%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 270.94%Credit loss provision to net charge-offs
  • 12.78%Efficiency ratio
  • 65,289Assets per employee
  • 4.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.14%Loss allowance to noncurrent loans
  • 468.36%Noncurrent assets plus other real estate owned to assets
  • 0.78%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 76.85%Net loans and leases to core deposits
  • 81.99%Equity capital to assets
  • 11.30%Core capital (leverage) ratio
  • 11.25%Tier 1 risk-based capital ratio
  • 16.31%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $205,346Average earning assets
  • $23,608Average equity
  • $191,128Average loans

List of branches

  • 4 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05638American Heritage National Bank24 2nd Street South, Long Prairie, MN 56347September 01, 1881Full Service Brick and Mortar
    39458Browerville Branch502 South Main, Browerville, MN 56438January 01, 1890Full Service Brick and Mortar
    4219051St. Cloud Branch2915 2nd Street South, St. Cloud, MN 56301April 07, 1995Full Service Brick and Mortar
    5219052American Heritage Nb Branch525 Highway #10 South, St. Cloud, MN 56304November 17, 1999Full Service Brick and Mortar

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