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



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University National Bank
GeneralFDIC 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
WWW: http://www.universitybank.com
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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)35
Total assets$417,323
Cash and due from depository institutions$206,170
Interest-bearing balances$156,177
Securities$85,915
Federal funds sold & reverse repurchase agreements$189
Net loans & leases$113,997
Loan loss allowance $2,246
Trading account assets$0
Bank premises and fixed assets$4,403
Other real estate owned$2,437
Goodwill and other intangibles$185
All other assets$4,027
Life insurance assets$417,323
Total liabilities and capital$390,221
Total liabilities$384,481
Total deposits$80,123
Interest-bearing deposits$384,481
Deposits held in domestic offices$97
% insured (estimated)467.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $273
All other liabilities $27,102
Total equity capital$27,102
Total bank equity capital$27,102
Perpetual preferred stock$0
Common stock$497
Surplus$16,081
Undivided profits $10,524
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,148
Earning assets $0
Long-term assets (5+ years) $773
Average Assets, year-to-date $356,278
Average Assets, quarterly $90,261
Volatile liabilities $318,429
Insider loans $386,164
FHLB advances $127,028
Loans and leases held for sale $410,133
Unused loan commitments $1,060
Tier 1 (core) risk-based capital $1,060
Tier 2 risk-based capital $26,155
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $15,244
Derivatives$20
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,614
Total interest expense $713
Net interest income $7,901
Provision for loan and lease losses $1,036
Total noninterest income $7,313
Fiduciary activities $0
Service charges on deposit accounts $597
Trading account gains & fees $0
Additional noninterest income $6,716
Total noninterest expense $6,515
Salaries and employee benefits $3,362
Premises and equipment expense $432
Additional noninterest expense $2,721
Pre-tax net operating income $7,663
Securities gains (losses) $844
Applicable income taxes $5
Income before extraordinary items $8,502
Extraordinary gains - net $0
Net income attributable to bank $8,502
Net charge-offs $0
Cash dividends $8,502
Sale, conversion, retirement of capital stock, net $1,028
Net operating income $7,214
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.16%
Cost of funding earning assets 0.26%
Net interest margin 2.90%
Noninterest income to earning assets 2.68%
Noninterest expense to earning assets 2.39%
Net operating income to assets 2.40%
Return on assets (ROA) 2.67%
Pretax return on assets 2.67%
Return on equity (ROE) 31.96%
Retained earnings to average equity (YTD only) 4.84%
Net charge-offs to loans 0.88%
Credit loss provision to net charge-offs 100.78%
Efficiency ratio8.46%
Assets per employee$42,500
Cash dividends to net income (YTD only)11.92%
Condition Ratios (%)
Loss allowance to loans 84.85%
Loss allowance to noncurrent loans 1.93%
Noncurrent assets plus other real estate owned to assets 104.56%
Noncurrent loans to loans 1.10%
Net loans and leases to deposits1.85%
Net loans and leases to core deposits 29.65%
Equity capital to assets 30.75%
Core capital (leverage) ratio 6.49%
Tier 1 risk-based capital ratio 6.38%
Total risk-based capital ratio 20.59%
Memoranda
Average assets$22
Average earning assets$318,429
Average equity $26,605
Average loans $272,643
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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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