Northwestern Bank, National Association in Dilworth, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Northwestern Bank, National Association in Dilworth, Minnesota (MN)
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Northwestern Bank, National Association - Overview

  • General
  • FDIC Certificate #: 9746
    Status: Active
    Federal Reserve ID: 207555
    Bank Holding Company (Regulatory Top Holder): Northwestern Bancshares, Inc. (RSSDID: 1126466, Location: Dilworth, MN)
    Date Established: July 01, 1915
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13568
    FDIC's unique #: 6234
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 4 North Main Street, Dilworth, MN 56529
    County: Clay
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Fargo
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Fargo-Moorhead, ND-MN (#2520)
    Combined Statistical Area (CSA): Fargo-Wahpeton, ND-MN (#244)
    Core Based Statistical Area (CBSA): Fargo, ND-MN (#22020)
    CBSA Metro Statistical Area: Fargo, ND-MN (#22020)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $138.2 mil
    Equity capital: $14.1 mil
    Deposits held in domestic offices: $116.5 mil
    Return on assets (ROA): 0.25% ($0.3 mil)
    Quarterly return on assets: 0.49% ($0.7 mil)
    Return on Equity (ROE): 2.51% ($0.4 mil)
    Quarterly return on equity: 4.71% ($0.7 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.25% ($345.5 mil)
    Quarterly Pretax return on assets: 0.49% ($677.1 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
  • 45Total employees (full-time equivalent)
  • $138,183Total assets
  • $17,855Cash and due from depository institutions
  • $2,695Interest-bearing balances
  • $35,299Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $80,895Net loans & leases
  • $1,725Loan loss allowance
  • $0Trading account assets
  • $683Bank premises and fixed assets
  • $173Other real estate owned
  • $1,371Goodwill and other intangibles
  • $138,183Life insurance assets
  • $1,907All other assets
  • $124,127Total liabilities and capital
  • $116,518Total liabilities
  • $98,660Total deposits
  • $116,518Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,068Trading liabilities
  • $0Other borrowed funds
  • $541Subordinated debt
  • $14,056All other liabilities
  • $14,056Total equity capital
  • $14,056Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $8,650Surplus
  • $5,256Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,827Income earned, not collected on loans
  • $0Earning assets
  • $773Long-term assets (5+ years)
  • $118,889Average Assets, year-to-date
  • $14,192Average Assets, quarterly
  • $136,901Volatile liabilities
  • $136,532Insider loans
  • $88,046FHLB advances
  • $136,057Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,930Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,905Restructured Loans and leases
  • $420Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,197Total interest income
  • $1,259Total interest expense
  • $4,938Net interest income
  • $505Provision for loan and lease losses
  • $672Total noninterest income
  • $0Fiduciary activities
  • $319Service charges on deposit accounts
  • $0Trading account gains & fees
  • $353Additional noninterest income
  • $4,753Total noninterest expense
  • $2,444Salaries and employee benefits
  • $901Premises and equipment expense
  • $1,408Additional noninterest expense
  • $352Pre-tax net operating income
  • -$3Securities gains (losses)
  • $2Applicable income taxes
  • $347Income before extraordinary items
  • $0Extraordinary gains - net
  • $347Net income attributable to bank
  • $0Net charge-offs
  • $347Cash dividends
  • $596Sale, conversion, retirement of capital stock, net
  • $116Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.99%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 2.51%Return on equity (ROE)
  • 1.67%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 84.73%Credit loss provision to net charge-offs
  • 1.44%Efficiency ratio
  • 84,724Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.43%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 61.02%Noncurrent assets plus other real estate owned to assets
  • 2.17%Noncurrent loans to loans
  • 3.42%Net loans and leases to deposits
  • 69.43%Net loans and leases to core deposits
  • 75.05%Equity capital to assets
  • 10.17%Core capital (leverage) ratio
  • 8.77%Tier 1 risk-based capital ratio
  • 13.55%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $136,901Average earning assets
  • $13,800Average equity
  • $119,174Average loans

List of branches

  • 4 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06234Northwestern Bank, National Association4 North Main Street, Dilworth, MN 56529July 01, 1915Full Service Brick and Mortar
    112720Ulen Branch11- 1st Street S. W., Ulen, MN 56585August 26, 1963Full Service Brick and Mortar
    38177Hendrum Branch300 Main Street, Hendrum, MN 56550May 25, 1925Full Service Brick and Mortar
    4228543Moorhead Branch2405 South 8th Street, Moorhead, MN 56560Febuary 15, 1999Full Service Brick and Mortar

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