St. Martin National Bank in Saint Martin, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

St. Martin National Bank - Overview

  • General
  • FDIC Certificate #: 18937
    Status: Active
    Federal Reserve ID: 856159
    Date Established: November 12, 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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 12784
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: November 12, 1963
    Last Structure Change Effective Date: March 18, 2008
    Last Structure Change Process Date: June 10, 2008
    Last Data Update: June 10, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 136 Main Street, Saint Martin, MN 56376
    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)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $19.0 mil
    Equity capital: $2.5 mil
    Deposits held in domestic offices: $16.5 mil
    Return on assets (ROA): 1.55% ($0.3 mil)
    Quarterly return on assets: 1.13% ($0.2 mil)
    Return on Equity (ROE): 11.64% ($0.2 mil)
    Quarterly return on equity: 8.41% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.55% ($294.0 mil)
    Quarterly Pretax return on assets: 1.13% ($214.3 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
  • 6Total employees (full-time equivalent)
  • $18,966Total assets
  • $4,202Cash and due from depository institutions
  • $2,060Interest-bearing balances
  • $4,094Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $9,761Net loans & leases
  • $171Loan loss allowance
  • $0Trading account assets
  • $201Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $18,966Life insurance assets
  • $208All other assets
  • $16,476Total liabilities and capital
  • $16,461Total liabilities
  • $12,968Total deposits
  • $16,461Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $15Subordinated debt
  • $2,490All other liabilities
  • $2,490Total equity capital
  • $2,490Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $50Surplus
  • $2,390Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $67Long-term assets (5+ years)
  • $16,415Average Assets, year-to-date
  • $3,341Average Assets, quarterly
  • $18,289Volatile liabilities
  • $18,787Insider loans
  • $9,878FHLB advances
  • $18,292Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,414Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $654Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $748Total interest income
  • $103Total interest expense
  • $645Net interest income
  • $0Provision for loan and lease losses
  • $217Total noninterest income
  • $0Fiduciary activities
  • $29Service charges on deposit accounts
  • $0Trading account gains & fees
  • $188Additional noninterest income
  • $578Total noninterest expense
  • $369Salaries and employee benefits
  • $80Premises and equipment expense
  • $129Additional noninterest expense
  • $284Pre-tax net operating income
  • $0Securities gains (losses)
  • $1Applicable income taxes
  • $283Income before extraordinary items
  • $0Extraordinary gains - net
  • $283Net income attributable to bank
  • $0Net charge-offs
  • $283Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $177Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.57%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.94%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 1.55%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 1.55%Pretax return on assets
  • 11.64%Return on equity (ROE)
  • 4.36%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
  • 67,053Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.54%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 59.30%Net loans and leases to core deposits
  • 59.30%Equity capital to assets
  • 13.13%Core capital (leverage) ratio
  • 13.20%Tier 1 risk-based capital ratio
  • 24.44%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $18,289Average earning assets
  • $2,432Average equity
  • $16,385Average loans

List of branches

  • 1 Minnesota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012784St. Martin National Bank136 Main Street, Saint Martin, MN 56376November 12, 1963Full Service Brick and Mortar

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