North Star Bank in Roseville, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

North Star Bank - Overview

  • General
  • FDIC Certificate #: 16733
    Status: Active
    Federal Reserve ID: 750051
    Date Established: Febuary 03, 1947
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 10853
    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: September 14, 1948
    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: 1820 North Lexington Avenue, 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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $253.7 mil
    Equity capital: $18.3 mil
    Deposits held in domestic offices: $234.8 mil
    Return on assets (ROA): 0.06% ($0.2 mil)
    Quarterly return on assets: -1.02% (-$2.6 mil)
    Return on Equity (ROE): 0.91% ($0.2 mil)
    Quarterly return on equity: -13.80% (-$2.5 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: 0.06% ($152.2 mil)
    Quarterly Pretax return on assets: -1.01% (-$2,562.1 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
  • 48Total employees (full-time equivalent)
  • $253,676Total assets
  • $44,987Cash and due from depository institutions
  • $39,400Interest-bearing balances
  • $70,299Securities
  • $191Federal funds sold & reverse repurchase agreements
  • $118,031Net loans & leases
  • $3,604Loan loss allowance
  • $0Trading account assets
  • $5,309Bank premises and fixed assets
  • $12,784Other real estate owned
  • $0Goodwill and other intangibles
  • $253,676Life insurance assets
  • $2,075All other assets
  • $235,356Total liabilities and capital
  • $234,797Total liabilities
  • $205,327Total deposits
  • $234,797Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $559Subordinated debt
  • $18,320All other liabilities
  • $18,320Total equity capital
  • $18,320Total bank equity capital
  • $0Perpetual preferred stock
  • $14Common stock
  • $20,589Surplus
  • $-2,283Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,799Income earned, not collected on loans
  • $0Earning assets
  • $845Long-term assets (5+ years)
  • $227,921Average Assets, year-to-date
  • $63,663Average Assets, quarterly
  • $247,695Volatile liabilities
  • $252,873Insider loans
  • $152,093FHLB advances
  • $250,479Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,952Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,200Restructured Loans and leases
  • $1,065Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,083Total interest income
  • $1,865Total interest expense
  • $8,218Net interest income
  • $719Provision for loan and lease losses
  • -$485Total noninterest income
  • $0Fiduciary activities
  • $390Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$875Additional noninterest income
  • $7,754Total noninterest expense
  • $3,346Salaries and employee benefits
  • $1,075Premises and equipment expense
  • $3,333Additional noninterest expense
  • -$740Pre-tax net operating income
  • $900Securities gains (losses)
  • $5Applicable income taxes
  • $155Income before extraordinary items
  • $0Extraordinary gains - net
  • $155Net income attributable to bank
  • $0Net charge-offs
  • $155Cash dividends
  • $2,828Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.68%Net interest margin
  • -0.22%Noninterest income to earning assets
  • 3.47%Noninterest expense to earning assets
  • -0.29%Net operating income to assets
  • 0.06%Return on assets (ROA)
  • 0.06%Pretax return on assets
  • 0.91%Return on equity (ROE)
  • 0.91%Retained earnings to average equity (YTD only)
  • 2.11%Net charge-offs to loans
  • 25.42%Credit loss provision to net charge-offs
  • -0.01%Efficiency ratio
  • 100,272Assets per employee
  • 5.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.96%Loss allowance to noncurrent loans
  • 46.21%Noncurrent assets plus other real estate owned to assets
  • 8.11%Noncurrent loans to loans
  • 6.41%Net loans and leases to deposits
  • 50.27%Net loans and leases to core deposits
  • 51.26%Equity capital to assets
  • 7.22%Core capital (leverage) ratio
  • 7.17%Tier 1 risk-based capital ratio
  • 11.80%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $247,695Average earning assets
  • $17,113Average equity
  • $223,276Average loans

List of branches

  • 2 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010853North Star Bank1820 North Lexington Avenue, Roseville, MN 55113Febuary 03, 1947Full Service Brick and Mortar
    1238682Washington Square Branch4661 Highway 61, White Bear Lake, MN 55110March 27, 1989Full Service Brick and Mortar

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