Northwestern Bank, National Association in Dilworth, Minnesota (MN)

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Northwestern Bank, National Association routing number info

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Northwestern Bank, National Association
GeneralFDIC 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
LocationAddress: 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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)45
Total assets$138,183
Cash and due from depository institutions$17,855
Interest-bearing balances$2,695
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$80,895
Loan loss allowance $1,725
Trading account assets$0
Bank premises and fixed assets$683
Other real estate owned$173
Goodwill and other intangibles$1,371
All other assets$1,907
Life insurance assets$138,183
Total liabilities and capital$124,127
Total liabilities$116,518
Total deposits$98,660
Interest-bearing deposits$116,518
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,068
Other borrowed funds $0
Subordinated debt $541
All other liabilities $14,056
Total equity capital$14,056
Total bank equity capital$14,056
Perpetual preferred stock$0
Common stock$150
Undivided profits $5,256
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,827
Earning assets $0
Long-term assets (5+ years) $773
Average Assets, year-to-date $118,889
Average Assets, quarterly $14,192
Volatile liabilities $136,901
Insider loans $136,532
FHLB advances $88,046
Loans and leases held for sale $136,057
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,930
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,905
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,197
Total interest expense $1,259
Net interest income $4,938
Provision for loan and lease losses $505
Total noninterest income $672
Fiduciary activities $0
Service charges on deposit accounts $319
Trading account gains & fees $0
Additional noninterest income $353
Total noninterest expense $4,753
Salaries and employee benefits $2,444
Premises and equipment expense $901
Additional noninterest expense $1,408
Pre-tax net operating income $352
Securities gains (losses) -$3
Applicable income taxes $2
Income before extraordinary items $347
Extraordinary gains - net $0
Net income attributable to bank $347
Net charge-offs $0
Cash dividends $347
Sale, conversion, retirement of capital stock, net $596
Net operating income $116
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.20%
Cost of funding earning assets 1.06%
Net interest margin 4.14%
Noninterest income to earning assets 0.56%
Noninterest expense to earning assets 3.99%
Net operating income to assets 0.26%
Return on assets (ROA) 0.25%
Pretax return on assets 0.25%
Return on equity (ROE) 2.51%
Retained earnings to average equity (YTD only) 1.67%
Net charge-offs to loans 0.72%
Credit loss provision to net charge-offs 84.73%
Efficiency ratio1.44%
Assets per employee$84,724
Cash dividends to net income (YTD only)3.07%
Condition Ratios (%)
Loss allowance to loans 33.43%
Loss allowance to noncurrent loans 2.09%
Noncurrent assets plus other real estate owned to assets 61.02%
Noncurrent loans to loans 2.17%
Net loans and leases to deposits3.42%
Net loans and leases to core deposits 69.43%
Equity capital to assets 75.05%
Core capital (leverage) ratio 10.17%
Tier 1 risk-based capital ratio 8.77%
Total risk-based capital ratio 13.55%
Average assets$15
Average earning assets$136,901
Average equity $13,800
Average loans $119,174
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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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