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

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Anchor Bank, National Association
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Name Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)301
Total assets$1,290,635
Cash and due from depository institutions$72,906
Interest-bearing balances$48,741
Federal funds sold & reverse repurchase agreements$219
Net loans & leases$883,765
Loan loss allowance $16,456
Trading account assets$0
Bank premises and fixed assets$28,666
Other real estate owned$13,947
Goodwill and other intangibles$1,474
All other assets$43,067
Life insurance assets$1,290,635
Total liabilities and capital$1,170,865
Total liabilities$1,116,099
Total deposits$834,162
Interest-bearing deposits$1,116,099
Deposits held in domestic offices$78
% insured (estimated)32596.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,097
Other borrowed funds $0
Subordinated debt $11,073
All other liabilities $119,770
Total equity capital$119,770
Total bank equity capital$119,770
Perpetual preferred stock$0
Common stock$200
Undivided profits $90,097
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,944
Income earned, not collected on loans $17,336
Earning assets $2,896
Long-term assets (5+ years) $3,873
Average Assets, year-to-date $1,179,316
Average Assets, quarterly $296,060
Volatile liabilities $1,275,978
Insider loans $1,289,407
FHLB advances $976,798
Loans and leases held for sale $1,288,087
Unused loan commitments $15,198
Tier 1 (core) risk-based capital $224
Tier 2 risk-based capital $116,419
Total risk weighted assets $14,974
Total unused commitments $0
Restructured Loans and leases $221,753
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $56,276
Total interest expense $6,758
Net interest income $49,518
Provision for loan and lease losses $7,437
Total noninterest income $12,649
Fiduciary activities $1,087
Service charges on deposit accounts $4,605
Trading account gains & fees $0
Additional noninterest income $6,957
Total noninterest expense $40,778
Salaries and employee benefits $24,413
Premises and equipment expense $6,126
Additional noninterest expense $10,239
Pre-tax net operating income $13,952
Securities gains (losses) $139
Applicable income taxes $4,518
Income before extraordinary items $9,573
Extraordinary gains - net $0
Net income attributable to bank $9,573
Net charge-offs $0
Cash dividends $9,573
Sale, conversion, retirement of capital stock, net $9,246
Net operating income $3,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.83%
Cost of funding earning assets 0.58%
Net interest margin 4.25%
Noninterest income to earning assets 1.09%
Noninterest expense to earning assets 3.50%
Net operating income to assets 0.74%
Return on assets (ROA) 0.75%
Pretax return on assets 1.10%
Return on equity (ROE) 8.27%
Retained earnings to average equity (YTD only) 5.68%
Net charge-offs to loans 1.03%
Credit loss provision to net charge-offs 80.43%
Efficiency ratio2.31%
Assets per employee$65,583
Cash dividends to net income (YTD only)4.29%
Condition Ratios (%)
Loss allowance to loans 31.34%
Loss allowance to noncurrent loans 1.83%
Noncurrent assets plus other real estate owned to assets 94.92%
Noncurrent loans to loans 2.42%
Net loans and leases to deposits1.93%
Net loans and leases to core deposits 79.18%
Equity capital to assets 81.34%
Core capital (leverage) ratio 9.28%
Tier 1 risk-based capital ratio 9.04%
Total risk-based capital ratio 11.92%
Average assets$13
Average earning assets$1,275,978
Average equity $115,689
Average loans $1,165,127
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$215,705
Number of Accounts1
Personal trust and agency accounts$72,331
Employee benefit-defined contribution accounts$35,160
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$5,472
Investment management agency accounts$0
Other fiduciary accounts$26,070
Fiduciary accounts held in foreign offices$5,629
Non-managed Assets$0
Number of Accounts106
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$5,472
Employee benefit-defined benefit accounts$0
Other retirement accounts$143,374
Corporate trust and agency accounts$47,974
Other fiduciary accounts$87,888
Fiduciary accounts held in foreign offices$0
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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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