FDIC Certificate #: 20412 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Winona National Bank (#5280) Federal Reserve ID: 871853 Date Established: April 29, 1971 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 12382 FDIC's unique #: 14067 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: April 29, 1971 Last Structure Change Effective Date: October 05, 2001 Last Structure Change Process Date: October 22, 2001 Last Data Update: October 22, 2001 Data Source Date: April 05, 2012
Location
Address: 1491 West Broadway, Winona, MN 55987 County: Winona 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 Core Based Statistical Area (CBSA): Winona, MN (#49100) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $91.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
32Total employees (full-time equivalent)
$91,002Total assets
$2,315Cash and due from depository institutions
$0Interest-bearing balances
$23,249Securities
$2,600Federal funds sold & reverse repurchase agreements
$58,575Net loans & leases
$688Loan loss allowance
$0Trading account assets
$2,543Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,720All other assets
$91,002Total liabilities and capital
$83,625Total liabilities
$82,949Total deposits
$75,295Interest-bearing deposits
$82,949Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$676All other liabilities
$7,377Total equity capital
$7,377Total bank equity capital
$7,377Perpetual preferred stock
$0Common stock
$300Surplus
$5,700Undivided profits
Memoranda
$1,377Noncurrent loans and leases
$3,705Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$121Earning assets
$0Long-term assets (5+ years)
$554Average Assets, year-to-date
$84,424Average Assets, quarterly
$27,238Volatile liabilities
$87,406Insider loans
$89,583FHLB advances
$4,533Loans and leases held for sale
$989Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,705Total unused commitments
$28Restructured Loans and leases
$688Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$6,702Total interest income
$3,591Total interest expense
$3,111Net interest income
$175Provision for loan and lease losses
$381Total noninterest income
$0Fiduciary activities
$218Service charges on deposit accounts
$0Trading account gains & fees
$163Additional noninterest income
$2,108Total noninterest expense
$1,202Salaries and employee benefits
$379Premises and equipment expense
$527Additional noninterest expense
$1,209Pre-tax net operating income
-$1Securities gains (losses)
$152Applicable income taxes
$1,056Income before extraordinary items
$0Extraordinary gains - net
$1,056Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$51Sale, conversion, retirement of capital stock, net
$660Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.31%Yield on earning assets
4.45%Cost of funding earning assets
3.86%Net interest margin
0.47%Noninterest income to earning assets
2.61%Noninterest expense to earning assets
1.21%Net operating income to assets
1.21%Return on assets (ROA)
1.38%Pretax return on assets
16.34%Return on equity (ROE)
6.13%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
343.14%Credit loss provision to net charge-offs
27.14%Efficiency ratio
60,367Assets per employee
2.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
62.50%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
568.60%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.20%Net loans and leases to deposits
70.62%Net loans and leases to core deposits
74.70%Equity capital to assets
8.11%Core capital (leverage) ratio
8.18%Tier 1 risk-based capital ratio
11.30%Total risk-based capital ratio
Memoranda
$12Average assets
$87,406Average earning assets
$6,464Average equity
$80,655Average loans
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