Americana Community Bank in Sleepy Eye, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches


Americana Community Bank - Overview

  • General
  • FDIC Certificate #: 8205
    Status: Active
    Federal Reserve ID: 201254
    Bank Holding Company (Regulatory Top Holder): Midwest Bancshares, Inc. (RSSDID: 1128705, Location: Chanhassen, MN)
    Date Established: January 01, 1881
    WWW: http://www.americanafinancial.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 15484
    FDIC's unique #: 5229
    Numeric code: 21
    Regulator: FDIC
    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: 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: 300 Main Street West, Sleepy Eye, MN 56085
    County: Brown
    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): New Ulm, MN (#35580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.0 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $117.3 mil
    Return on assets (ROA): 0.48% ($0.6 mil)
    Quarterly return on assets: -0.52% (-$0.6 mil)
    Return on Equity (ROE): 15.82% ($0.8 mil)
    Quarterly return on equity: -13.85% (-$0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: 0.48% ($595.0 mil)
    Quarterly Pretax return on assets: -0.52% (-$644.6 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
  • 45Total employees (full-time equivalent)
  • $123,957Total assets
  • $14,385Cash and due from depository institutions
  • $13,694Interest-bearing balances
  • $21,397Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $73,932Net loans & leases
  • $3,280Loan loss allowance
  • $0Trading account assets
  • $4,602Bank premises and fixed assets
  • $7,420Other real estate owned
  • $212Goodwill and other intangibles
  • $123,957Life insurance assets
  • $2,009All other assets
  • $119,405Total liabilities and capital
  • $117,329Total liabilities
  • $108,724Total deposits
  • $117,329Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $576Subordinated debt
  • $4,552All other liabilities
  • $4,552Total equity capital
  • $4,552Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $17,460Surplus
  • $-12,958Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,253Income earned, not collected on loans
  • $0Earning assets
  • $590Long-term assets (5+ years)
  • $109,023Average Assets, year-to-date
  • $31,094Average Assets, quarterly
  • $132,817Volatile liabilities
  • $123,389Insider loans
  • $89,908FHLB advances
  • $124,371Loans and leases held for sale
  • $935Unused loan commitments
  • $935Tier 1 (core) risk-based capital
  • $4,126Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,176Restructured Loans and leases
  • $2,141Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,168Total interest income
  • $1,157Total interest expense
  • $5,011Net interest income
  • $184Provision for loan and lease losses
  • $1,690Total noninterest income
  • $0Fiduciary activities
  • $474Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,216Additional noninterest income
  • $5,893Total noninterest expense
  • $2,743Salaries and employee benefits
  • $787Premises and equipment expense
  • $2,363Additional noninterest expense
  • $624Pre-tax net operating income
  • $19Securities gains (losses)
  • $0Applicable income taxes
  • $643Income before extraordinary items
  • $0Extraordinary gains - net
  • $643Net income attributable to bank
  • $0Net charge-offs
  • $643Cash dividends
  • $1,085Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.29%Net interest margin
  • 1.45%Noninterest income to earning assets
  • 5.04%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 15.82%Return on equity (ROE)
  • 15.82%Retained earnings to average equity (YTD only)
  • 1.23%Net charge-offs to loans
  • 16.96%Credit loss provision to net charge-offs
  • 0.74%Efficiency ratio
  • 86,883Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.25%Loss allowance to noncurrent loans
  • 261.77%Noncurrent assets plus other real estate owned to assets
  • 7.00%Noncurrent loans to loans
  • 1.62%Net loans and leases to deposits
  • 63.01%Net loans and leases to core deposits
  • 63.62%Equity capital to assets
  • 3.67%Core capital (leverage) ratio
  • 3.32%Tier 1 risk-based capital ratio
  • 4.59%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $132,817Average earning assets
  • $4,065Average equity
  • $116,824Average loans

List of branches

  • 5 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05229Americana Community Bank300 Main Street West, Sleepy Eye, MN 56085January 01, 1881Full Service Brick and Mortar
    2218121Chanhassen Branch600 Market Street Suite 100, Chanhassen, MN 55317November 23, 1992Full Service Brick and Mortar
    4291956Minnetonka Branch3330 County Road 101, Minnetonka, MN 55305January 15, 2000Full Service Brick and Mortar
    5359991Maple Grove Branch9495 Black Oaks Lane North, Maple Grove, MN 55311October 16, 2000Full Service Brick and Mortar
    6430550Administration Office Branch600 Market Street Suite 230, Chanhassen, MN 55317June 30, 2004Limited Service Administrative

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