Anchor Bank, National Association in Saint Paul, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Anchor Bank, National Association in Saint Paul, Minnesota (MN)
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Anchor Bank, National Association - Overview

  • General
  • FDIC Certificate #: 8868
    Status: Active
    Federal Reserve ID: 900454
    Bank Holding Company (Regulatory Top Holder): Anchor Bancorp, Inc. (RSSDID: 1126475, Location: Wayzata, MN)
    Date Established: May 15, 1923
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 16 (Domestic: 16, Interstate: No)
    FDIC's unique #: 5662
    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: November 14, 2009
    Last Structure Change Process Date: November 24, 2009
    Last Data Update: November 24, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1570 Concordia Avenue, 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
  • Participated in Absorption/Consolidation/Merger
    Name Change
  • Financial Summary
  • Total assets: $1,290.6 mil
    Equity capital: $119.8 mil
    Deposits held in domestic offices: $1,116.1 mil
    Return on assets (ROA): 0.75% ($9.7 mil)
    Quarterly return on assets: 0.67% ($8.6 mil)
    Return on Equity (ROE): 8.27% ($9.9 mil)
    Quarterly return on equity: 7.25% ($8.7 mil)
    Net income: $9.6 mil
    Quarterly Net income: $2.2 mil
    Pretax return on assets: 1.10% ($14,197.0 mil)
    Quarterly Pretax return on assets: 0.97% ($12,519.2 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
  • 301Total employees (full-time equivalent)
  • $1,290,635Total assets
  • $72,906Cash and due from depository institutions
  • $48,741Interest-bearing balances
  • $246,591Securities
  • $219Federal funds sold & reverse repurchase agreements
  • $883,765Net loans & leases
  • $16,456Loan loss allowance
  • $0Trading account assets
  • $28,666Bank premises and fixed assets
  • $13,947Other real estate owned
  • $1,474Goodwill and other intangibles
  • $1,290,635Life insurance assets
  • $43,067All other assets
  • $1,170,865Total liabilities and capital
  • $1,116,099Total liabilities
  • $834,162Total deposits
  • $1,116,099Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 32596.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,097Trading liabilities
  • $0Other borrowed funds
  • $11,073Subordinated debt
  • $119,770All other liabilities
  • $119,770Total equity capital
  • $119,770Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $29,473Surplus
  • $90,097Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,944Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17,336Income earned, not collected on loans
  • $2,896Earning assets
  • $3,873Long-term assets (5+ years)
  • $1,179,316Average Assets, year-to-date
  • $296,060Average Assets, quarterly
  • $1,275,978Volatile liabilities
  • $1,289,407Insider loans
  • $976,798FHLB advances
  • $1,288,087Loans and leases held for sale
  • $15,198Unused loan commitments
  • $224Tier 1 (core) risk-based capital
  • $116,419Tier 2 risk-based capital
  • $14,974Total risk weighted assets
  • $0Total unused commitments
  • $221,753Restructured Loans and leases
  • $8,468Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $56,276Total interest income
  • $6,758Total interest expense
  • $49,518Net interest income
  • $7,437Provision for loan and lease losses
  • $12,649Total noninterest income
  • $1,087Fiduciary activities
  • $4,605Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,957Additional noninterest income
  • $40,778Total noninterest expense
  • $24,413Salaries and employee benefits
  • $6,126Premises and equipment expense
  • $10,239Additional noninterest expense
  • $13,952Pre-tax net operating income
  • $139Securities gains (losses)
  • $4,518Applicable income taxes
  • $9,573Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,573Net income attributable to bank
  • $0Net charge-offs
  • $9,573Cash dividends
  • $9,246Sale, conversion, retirement of capital stock, net
  • $3,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 4.25%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.10%Pretax return on assets
  • 8.27%Return on equity (ROE)
  • 5.68%Retained earnings to average equity (YTD only)
  • 1.03%Net charge-offs to loans
  • 80.43%Credit loss provision to net charge-offs
  • 2.31%Efficiency ratio
  • 65,583Assets per employee
  • 4.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.34%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 94.92%Noncurrent assets plus other real estate owned to assets
  • 2.42%Noncurrent loans to loans
  • 1.93%Net loans and leases to deposits
  • 79.18%Net loans and leases to core deposits
  • 81.34%Equity capital to assets
  • 9.28%Core capital (leverage) ratio
  • 9.04%Tier 1 risk-based capital ratio
  • 11.92%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,275,978Average earning assets
  • $115,689Average equity
  • $1,165,127Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $215,705Managed Assets
  • 1Number of Accounts
  • $72,331Personal trust and agency accounts
  • $35,160Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $5,472Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $26,070Other fiduciary accounts
  • $5,629Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 106Number of Accounts
  • $0Personal trust and agency accounts
  • $5,472Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $143,374Other retirement accounts
  • $47,974Corporate trust and agency accounts
  • $87,888Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 16 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05662Anchor Bank, National Association1570 Concordia Avenue, Saint Paul, MN 55104May 15, 1923Full Service Brick and Mortar
    3219073Apple Valley Branch14665 Galaxie Avenue, Apple Valley, MN 55124March 03, 1997Full Service Brick and Mortar
    4219074St. Paul Park Branch1030 Hastings Avenue, St. Paul Park, MN 55071July 06, 1999Full Service Brick and Mortar
    6365639Eagan Branch1360 Duckwood Drive, Eagan, MN 55123September 30, 2002Full Service Brick and Mortar
    78179Saint Paul Branch332 Minnesota Street, Suite N-210, Saint Paul, MN 55101January 01, 1915Full Service Brick and Mortar
    8466119West Saint Paul Branch66 E Thompson Avenue, West Saint Paul, MN 55118June 01, 2007Full Service Brick and Mortar
    93447Farmington Branch324 Oak Street, Farmington, MN 55024Febuary 01, 1894Full Service Brick and Mortar
    11364035Lakeville Branch9202 202nd Street West, Lakeville, MN 55044November 05, 2001Full Service Brick and Mortar
    12463383Burnsville Branch550 West Burnsville Parkway, Burnsville, MN 55337April 02, 2007Full Service Brick and Mortar
    138633North Saint Paul Branch2700 East Seventh Avenue, North Saint Paul, MN 55109May 02, 1902Full Service Brick and Mortar
    14230290Woodbury Branch1920 Donegal Drive, Woodbury, MN 55125Febuary 14, 1997Full Service Brick and Mortar
    15429711Arden Hills Branch1240 County Road E, Arden Hills, MN 55112June 30, 2004Full Service Brick and Mortar
    1612751Wayzata Branch1055 Wayzata Boulevard E, Wayzata, MN 55391October 08, 1963Full Service Brick and Mortar
    17246751Plymouth Branch3950 Vinewood Lane N, Plymouth, MN 55441March 04, 1982Full Service Brick and Mortar
    19440159Blaine Branch10710 Town Square Drive N.E., Blaine, MN 55449November 08, 2004Full Service Brick and Mortar
    20521845Eden Prairie Branch12950 Technology Drive, Eden Prairie, MN 55344August 14, 2010Full Service Brick and Mortar

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