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

  • University National Bank in St. Paul, Minnesota (MN)
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University National Bank - Overview

  • General
  • FDIC Certificate #: 18561
    Status: Active
    Federal Reserve ID: 860053
    Bank Holding Company (Regulatory Top Holder): University Financial Corp, Inc. Dba Sunrise Community Banks (RSSDID: 1139103, Location: Saint Paul, MN)
    Date Established: July 17, 1962
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 12449
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: July 17, 1962
    Last Structure Change Effective Date: March 04, 2011
    Last Structure Change Process Date: April 18, 2011
    Last Data Update: April 18, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 University Avenue West, St. Paul, MN 55103
    County: Ramsey
    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): Minneapolis-St. Paul, MN-WI (#5120)
    Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
    Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
    CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $417.3 mil
    Equity capital: $27.1 mil
    Deposits held in domestic offices: $384.5 mil
    Return on assets (ROA): 2.67% ($11.1 mil)
    Quarterly return on assets: 1.70% ($7.1 mil)
    Return on Equity (ROE): 31.96% ($8.6 mil)
    Quarterly return on equity: 24.76% ($6.7 mil)
    Net income: $8.5 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 2.67% ($11,142.5 mil)
    Quarterly Pretax return on assets: 1.70% ($7,094.5 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
  • 35Total employees (full-time equivalent)
  • $417,323Total assets
  • $206,170Cash and due from depository institutions
  • $156,177Interest-bearing balances
  • $85,915Securities
  • $189Federal funds sold & reverse repurchase agreements
  • $113,997Net loans & leases
  • $2,246Loan loss allowance
  • $0Trading account assets
  • $4,403Bank premises and fixed assets
  • $2,437Other real estate owned
  • $185Goodwill and other intangibles
  • $417,323Life insurance assets
  • $4,027All other assets
  • $390,221Total liabilities and capital
  • $384,481Total liabilities
  • $80,123Total deposits
  • $384,481Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 467.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $273Subordinated debt
  • $27,102All other liabilities
  • $27,102Total equity capital
  • $27,102Total bank equity capital
  • $0Perpetual preferred stock
  • $497Common stock
  • $16,081Surplus
  • $10,524Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,148Income earned, not collected on loans
  • $0Earning assets
  • $773Long-term assets (5+ years)
  • $356,278Average Assets, year-to-date
  • $90,261Average Assets, quarterly
  • $318,429Volatile liabilities
  • $386,164Insider loans
  • $127,028FHLB advances
  • $410,133Loans and leases held for sale
  • $1,060Unused loan commitments
  • $1,060Tier 1 (core) risk-based capital
  • $26,155Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,244Restructured Loans and leases
  • $20Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,614Total interest income
  • $713Total interest expense
  • $7,901Net interest income
  • $1,036Provision for loan and lease losses
  • $7,313Total noninterest income
  • $0Fiduciary activities
  • $597Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,716Additional noninterest income
  • $6,515Total noninterest expense
  • $3,362Salaries and employee benefits
  • $432Premises and equipment expense
  • $2,721Additional noninterest expense
  • $7,663Pre-tax net operating income
  • $844Securities gains (losses)
  • $5Applicable income taxes
  • $8,502Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,502Net income attributable to bank
  • $0Net charge-offs
  • $8,502Cash dividends
  • $1,028Sale, conversion, retirement of capital stock, net
  • $7,214Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.16%Yield on earning assets
  • 0.26%Cost of funding earning assets
  • 2.90%Net interest margin
  • 2.68%Noninterest income to earning assets
  • 2.39%Noninterest expense to earning assets
  • 2.40%Net operating income to assets
  • 2.67%Return on assets (ROA)
  • 2.67%Pretax return on assets
  • 31.96%Return on equity (ROE)
  • 4.84%Retained earnings to average equity (YTD only)
  • 0.88%Net charge-offs to loans
  • 100.78%Credit loss provision to net charge-offs
  • 8.46%Efficiency ratio
  • 42,500Assets per employee
  • 11.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.85%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 104.56%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 29.65%Net loans and leases to core deposits
  • 30.75%Equity capital to assets
  • 6.49%Core capital (leverage) ratio
  • 6.38%Tier 1 risk-based capital ratio
  • 20.59%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $318,429Average earning assets
  • $26,605Average equity
  • $272,643Average loans

List of branches

  • 2 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012449University National Bank200 University Avenue West, St. Paul, MN 55103July 17, 1962Full Service Brick and Mortar
    1280736St. Paul Branch1351 Arcade Street, St. Paul, MN 55106January 01, 1891Full Service Brick and Mortar

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