Reliastar Bank in St. Cloud, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 14, 2000

  • Reliastar Bank in St. Cloud, Minnesota (MN)
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Reliastar Bank - Overview

  • General
  • FDIC Certificate #: 33203
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: ING Bank, fsb (#35489)
    Federal Reserve ID: 1872192
    Date Established: October 05, 1990
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8927
    FDIC's unique #: 46443
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: October 05, 1990
    Last Structure Change Effective Date: September 14, 2000
    Last Structure Change Process Date: November 14, 2000
    Last Data Update: November 14, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 1113 West St. Germain, St. Cloud, MN 56301
    County: Stearns
    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): St. Cloud, MN (#6980)
    Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
    Core Based Statistical Area (CBSA): St. Cloud, MN (#41060)
    CBSA Metro Statistical Area: St. Cloud, MN (#41060)
  • Financial Summary
  • Total assets: $156.2 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 41Total employees (full-time equivalent)
  • $118,673Total assets
  • $2,584Cash and due from depository institutions
  • $1,403Interest-bearing balances
  • $40,237Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $68,942Net loans & leases
  • $321Loan loss allowance
  • $0Trading account assets
  • $942Bank premises and fixed assets
  • $0Other real estate owned
  • $3,362Goodwill and other intangibles
  • $0Life insurance assets
  • $2,606All other assets
  • $118,673Total liabilities and capital
  • $105,709Total liabilities
  • $66,622Total deposits
  • $66,622Interest-bearing deposits
  • $66,622Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $38,190Other borrowed funds
  • $0Subordinated debt
  • $897All other liabilities
  • $12,964Total equity capital
  • $12,964Total bank equity capital
  • $12,964Perpetual preferred stock
  • $0Common stock
  • $1,365Surplus
  • $10,766Undivided profits
  • Memoranda
  • $833Noncurrent loans and leases
  • $16,628Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $264Earning assets
  • $0Long-term assets (5+ years)
  • $313Average Assets, year-to-date
  • $110,582Average Assets, quarterly
  • $0Volatile liabilities
  • $84,196Insider loans
  • $105,452FHLB advances
  • $51,190Loans and leases held for sale
  • $712Unused loan commitments
  • $38,190Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $16,628Total unused commitments
  • $0Restructured Loans and leases
  • $321Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $5,206Total interest income
  • $2,836Total interest expense
  • $2,370Net interest income
  • $93Provision for loan and lease losses
  • $578Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $578Additional noninterest income
  • $3,552Total noninterest expense
  • $1,664Salaries and employee benefits
  • $451Premises and equipment expense
  • $1,437Additional noninterest expense
  • -$697Pre-tax net operating income
  • $302Securities gains (losses)
  • -$48Applicable income taxes
  • -$347Income before extraordinary items
  • $0Extraordinary gains - net
  • -$347Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.71%Yield on earning assets
  • 3.65%Cost of funding earning assets
  • 3.05%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 4.58%Noninterest expense to earning assets
  • -0.73%Net operating income to assets
  • -0.41%Return on assets (ROA)
  • -0.47%Pretax return on assets
  • -2.62%Return on equity (ROE)
  • -2.62%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 106,649Assets per employee
  • 2.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.46%Loss allowance to noncurrent loans
  • 121.59%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 103.48%Net loans and leases to core deposits
  • 128.57%Equity capital to assets
  • 10.92%Core capital (leverage) ratio
  • 8.60%Tier 1 risk-based capital ratio
  • 16.06%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $84,196Average earning assets
  • $13,233Average equity
  • $77,608Average loans

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