North American Banking Company in Roseville, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

North American Banking Company - Overview

  • General
  • FDIC Certificate #: 34836
    Status: Active
    Federal Reserve ID: 2631846
    Bank Holding Company (Regulatory Top Holder): N.A. Corporation (RSSDID: 2631798, Location: Roseville, MN)
    Date Established: July 21, 1998
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 61748
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 21, 1998
    Last Structure Change Effective Date: Febuary 29, 2012
    Last Structure Change Process Date: Febuary 29, 2012
    Last Data Update: Febuary 29, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 2230 Albert Street, Roseville, MN 55113
    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)
  • Financial Summary
  • Total assets: $253.1 mil
    Equity capital: $27.6 mil
    Deposits held in domestic offices: $217.6 mil
    Return on assets (ROA): 0.36% ($0.9 mil)
    Quarterly return on assets: 0.38% ($1.0 mil)
    Return on Equity (ROE): 3.39% ($0.9 mil)
    Quarterly return on equity: 3.44% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.53% ($1,341.6 mil)
    Quarterly Pretax return on assets: 0.58% ($1,468.2 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
  • 58Total employees (full-time equivalent)
  • $253,140Total assets
  • $14,958Cash and due from depository institutions
  • $6,637Interest-bearing balances
  • $33,813Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $173,180Net loans & leases
  • $2,910Loan loss allowance
  • $0Trading account assets
  • $8,586Bank premises and fixed assets
  • $8,782Other real estate owned
  • $0Goodwill and other intangibles
  • $253,140Life insurance assets
  • $13,821All other assets
  • $225,564Total liabilities and capital
  • $217,627Total liabilities
  • $156,610Total deposits
  • $217,627Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,500Trading liabilities
  • $0Other borrowed funds
  • $1,437Subordinated debt
  • $27,576All other liabilities
  • $27,576Total equity capital
  • $27,576Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $27,500Surplus
  • $-924Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $583Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,965Income earned, not collected on loans
  • $13Earning assets
  • $845Long-term assets (5+ years)
  • $213,630Average Assets, year-to-date
  • $92,260Average Assets, quarterly
  • $255,600Volatile liabilities
  • $246,575Insider loans
  • $209,958FHLB advances
  • $254,438Loans and leases held for sale
  • $7,795Unused loan commitments
  • $7,740Tier 1 (core) risk-based capital
  • $26,021Tier 2 risk-based capital
  • $55Total risk weighted assets
  • $0Total unused commitments
  • $34,626Restructured Loans and leases
  • $4,434Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,555Total interest income
  • $3,568Total interest expense
  • $7,987Net interest income
  • $636Provision for loan and lease losses
  • $3,706Total noninterest income
  • $0Fiduciary activities
  • $735Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,971Additional noninterest income
  • $10,040Total noninterest expense
  • $5,010Salaries and employee benefits
  • $1,630Premises and equipment expense
  • $3,400Additional noninterest expense
  • $1,017Pre-tax net operating income
  • $330Securities gains (losses)
  • $434Applicable income taxes
  • $913Income before extraordinary items
  • $0Extraordinary gains - net
  • $913Net income attributable to bank
  • $0Net charge-offs
  • $913Cash dividends
  • $951Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 1.63%Cost of funding earning assets
  • 3.65%Net interest margin
  • 1.69%Noninterest income to earning assets
  • 4.59%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 3.39%Return on equity (ROE)
  • 2.65%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 66.88%Credit loss provision to net charge-offs
  • 1.74%Efficiency ratio
  • 85,863Assets per employee
  • 4.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.91%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 98.15%Noncurrent assets plus other real estate owned to assets
  • 4.64%Noncurrent loans to loans
  • 1.68%Net loans and leases to deposits
  • 79.58%Net loans and leases to core deposits
  • 95.91%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 10.23%Tier 1 risk-based capital ratio
  • 12.39%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $255,600Average earning assets
  • $26,909Average equity
  • $218,814Average loans

List of branches

  • 4 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061748North American Banking Company2230 Albert Street, Roseville, MN 55113July 21, 1998Full Service Brick and Mortar
    1360243North American Banking Company4999 France Avenue, Minneapolis, MN 55410April 16, 2000Full Service Brick and Mortar
    2447223North American Banking Company1620 Frontage Road, Hastings, MN 55033November 14, 2005Full Service Brick and Mortar
    3450823Woodbury Branch9260 Hudson Road, Woodbury, MN 55125April 17, 2006Full Service Brick and Mortar

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