Community National Bank in Lino Lakes, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 18, 2010

  • Community National Bank in Lino Lakes, Minnesota (MN)
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Community National Bank - Overview

  • General
  • FDIC Certificate #: 23306
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Farmers & Merchants Savings Bank (#9298)
    Federal Reserve ID: 367851
    Date Established: December 20, 1980
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    OTS Docket #: 11538
    FDIC's unique #: 16336
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: December 20, 1980
    Last Structure Change Effective Date: December 18, 2010
    Last Structure Change Process Date: January 06, 2011
    Last Data Update: January 06, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 7641 Lake Drive, Lino Lakes, MN 55014
    County: Anoka
    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)
  • Financial Summary
  • Total assets: $31.6 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, 2009)

  • Dollar figures in thousands
  • 16Total employees (full-time equivalent)
  • $40,349Total assets
  • $2,175Cash and due from depository institutions
  • $1,564Interest-bearing balances
  • $4,148Securities
  • $2,800Federal funds sold & reverse repurchase agreements
  • $18,208Net loans & leases
  • $872Loan loss allowance
  • $0Trading account assets
  • $5,587Bank premises and fixed assets
  • $6,741Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $690All other assets
  • $40,349Total liabilities and capital
  • $35,837Total liabilities
  • $35,616Total deposits
  • $32,352Interest-bearing deposits
  • $35,616Deposits held in domestic offices
  • 99.36%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $221All other liabilities
  • $4,512Total equity capital
  • $4,512Total bank equity capital
  • $4,512Perpetual preferred stock
  • $0Common stock
  • $5,000Surplus
  • $6,000Undivided profits
  • Memoranda
  • $-6,488Noncurrent loans and leases
  • $2,792Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,287Earning assets
  • $0Long-term assets (5+ years)
  • $96Average Assets, year-to-date
  • $26,720Average Assets, quarterly
  • $30Volatile liabilities
  • $48,558Insider loans
  • $41,268FHLB advances
  • $10,979Loans and leases held for sale
  • $8Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,792Total unused commitments
  • $0Restructured Loans and leases
  • $428Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $1,643Total interest income
  • $1,249Total interest expense
  • $394Net interest income
  • $160Provision for loan and lease losses
  • -$1,429Total noninterest income
  • $0Fiduciary activities
  • $167Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,596Additional noninterest income
  • $3,667Total noninterest expense
  • $1,137Salaries and employee benefits
  • $470Premises and equipment expense
  • $2,060Additional noninterest expense
  • -$4,862Pre-tax net operating income
  • $0Securities gains (losses)
  • -$351Applicable income taxes
  • -$4,511Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,511Net income attributable to bank
  • $0Net charge-offs
  • -$4,511Cash dividends
  • $1,208Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 3.55%Cost of funding earning assets
  • 1.12%Net interest margin
  • -4.07%Noninterest income to earning assets
  • 10.44%Noninterest expense to earning assets
  • -9.29%Net operating income to assets
  • -9.29%Return on assets (ROA)
  • -10.01%Pretax return on assets
  • -69.58%Return on equity (ROE)
  • -69.58%Retained earnings to average equity (YTD only)
  • 4.82%Net charge-offs to loans
  • 13.25%Credit loss provision to net charge-offs
  • -3.89%Efficiency ratio
  • -354,300Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.57%Loss allowance to noncurrent loans
  • 38.13%Noncurrent assets plus other real estate owned to assets
  • 22.37%Noncurrent loans to loans
  • 11.99%Net loans and leases to deposits
  • 51.12%Net loans and leases to core deposits
  • 73.91%Equity capital to assets
  • 11.18%Core capital (leverage) ratio
  • 10.85%Tier 1 risk-based capital ratio
  • 13.40%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $48,558Average earning assets
  • $6,483Average equity
  • $35,137Average loans

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