Peoples National Bank of Mora in Mora, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples National Bank of Mora - Overview

  • General
  • FDIC Certificate #: 18885
    Status: Active
    Federal Reserve ID: 705556
    Bank Holding Company (Regulatory Top Holder): Peoples Bankshares, Inc. (RSSDID: 1124024, Location: Mora, MN)
    Date Established: September 26, 1963
    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: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12860
    FDIC's unique #: 12737
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: September 26, 1963
    Last Structure Change Effective Date: November 21, 2008
    Last Structure Change Process Date: September 04, 2009
    Last Data Update: September 04, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 45 North Union Street, Mora, MN 55051
    County: Kanabec
    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
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $156.9 mil
    Equity capital: $20.3 mil
    Deposits held in domestic offices: $136.3 mil
    Return on assets (ROA): 0.42% ($0.7 mil)
    Quarterly return on assets: 0.36% ($0.6 mil)
    Return on Equity (ROE): 3.36% ($0.7 mil)
    Quarterly return on equity: 2.77% ($0.6 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.53% ($831.7 mil)
    Quarterly Pretax return on assets: 0.44% ($690.5 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
  • 46Total employees (full-time equivalent)
  • $156,928Total assets
  • $5,074Cash and due from depository institutions
  • $1,028Interest-bearing balances
  • $57,477Securities
  • $521Federal funds sold & reverse repurchase agreements
  • $79,980Net loans & leases
  • $2,097Loan loss allowance
  • $0Trading account assets
  • $5,568Bank premises and fixed assets
  • $5,953Other real estate owned
  • $1,016Goodwill and other intangibles
  • $156,928Life insurance assets
  • $1,339All other assets
  • $136,652Total liabilities and capital
  • $136,294Total liabilities
  • $119,014Total deposits
  • $136,294Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 120.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $238Subordinated debt
  • $20,276All other liabilities
  • $20,276Total equity capital
  • $20,276Total bank equity capital
  • $0Perpetual preferred stock
  • $411Common stock
  • $1,871Surplus
  • $17,994Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $164Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,444Income earned, not collected on loans
  • $0Earning assets
  • $754Long-term assets (5+ years)
  • $139,006Average Assets, year-to-date
  • $57,985Average Assets, quarterly
  • $159,454Volatile liabilities
  • $157,956Insider loans
  • $101,924FHLB advances
  • $157,687Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,142Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,996Restructured Loans and leases
  • $3,359Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,386Total interest income
  • $1,659Total interest expense
  • $5,727Net interest income
  • $335Provision for loan and lease losses
  • $498Total noninterest income
  • $0Fiduciary activities
  • $386Service charges on deposit accounts
  • $0Trading account gains & fees
  • $112Additional noninterest income
  • $5,070Total noninterest expense
  • $2,245Salaries and employee benefits
  • $709Premises and equipment expense
  • $2,116Additional noninterest expense
  • $820Pre-tax net operating income
  • $19Securities gains (losses)
  • $165Applicable income taxes
  • $674Income before extraordinary items
  • $0Extraordinary gains - net
  • $674Net income attributable to bank
  • $0Net charge-offs
  • $674Cash dividends
  • $831Sale, conversion, retirement of capital stock, net
  • $465Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.05%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 3.58%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 3.36%Return on equity (ROE)
  • 1.04%Retained earnings to average equity (YTD only)
  • 0.95%Net charge-offs to loans
  • 40.31%Credit loss provision to net charge-offs
  • 1.39%Efficiency ratio
  • 80,546Assets per employee
  • 3.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.99%Loss allowance to loans
  • 2.55%Loss allowance to noncurrent loans
  • 47.19%Noncurrent assets plus other real estate owned to assets
  • 6.63%Noncurrent loans to loans
  • 5.41%Net loans and leases to deposits
  • 58.68%Net loans and leases to core deposits
  • 60.48%Equity capital to assets
  • 12.92%Core capital (leverage) ratio
  • 11.51%Tier 1 risk-based capital ratio
  • 17.80%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $159,454Average earning assets
  • $20,052Average equity
  • $141,500Average loans

List of branches

  • 6 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012737Peoples National Bank Of Mora45 North Union Street, Mora, MN 55051September 26, 1963Full Service Brick and Mortar
    1279045Aitkin Branch15 Minnesota Avenue South, Aitkin, MN 56431January 01, 1941Full Service Brick and Mortar
    2279047Crosby Branch23 West Main Street, Crosby, MN 56441January 01, 1941Full Service Brick and Mortar
    3270782Mora Branch710 Frankie Lane, Mora, MN 55051January 01, 1923Full Service Brick and Mortar
    4246722Brainerd Branch601 West Washington Street, Brainerd, MN 56401March 08, 1999Full Service Brick and Mortar
    5494743North Branch5481 St. Croix Trail, North Branch, MN 55056November 21, 2008Full Service Brick and Mortar

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