Winona National Bank in Winona, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Winona National Bank - Overview

  • General
  • FDIC Certificate #: 5280
    Status: Active
    Federal Reserve ID: 220059
    Bank Holding Company (Regulatory Top Holder): Winona Banc Holding Company (RSSDID: 1133660, Location: Winona, MN)
    Date Established: January 01, 1874
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 9287
    FDIC's unique #: 3548
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 204 Main Street, 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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $279.2 mil
    Equity capital: $23.9 mil
    Deposits held in domestic offices: $225.4 mil
    Return on assets (ROA): 0.54% ($1.5 mil)
    Quarterly return on assets: 0.86% ($2.4 mil)
    Return on Equity (ROE): 6.75% ($1.6 mil)
    Quarterly return on equity: 10.18% ($2.4 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.54% ($1,507.7 mil)
    Quarterly Pretax return on assets: 0.86% ($2,401.1 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
  • 77Total employees (full-time equivalent)
  • $279,195Total assets
  • $24,997Cash and due from depository institutions
  • $18,919Interest-bearing balances
  • $119,160Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $123,078Net loans & leases
  • $2,586Loan loss allowance
  • $0Trading account assets
  • $3,591Bank premises and fixed assets
  • $600Other real estate owned
  • $1,321Goodwill and other intangibles
  • $279,195Life insurance assets
  • $6,448All other assets
  • $255,274Total liabilities and capital
  • $225,442Total liabilities
  • $183,349Total deposits
  • $225,442Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 10474.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,000Trading liabilities
  • $0Other borrowed funds
  • $2,358Subordinated debt
  • $23,921All other liabilities
  • $23,921Total equity capital
  • $23,921Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $11,260Surplus
  • $11,961Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $73Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,455Income earned, not collected on loans
  • $0Earning assets
  • $1,152Long-term assets (5+ years)
  • $261,157Average Assets, year-to-date
  • $107,235Average Assets, quarterly
  • $299,767Volatile liabilities
  • $286,732Insider loans
  • $186,659FHLB advances
  • $292,086Loans and leases held for sale
  • $2,108Unused loan commitments
  • $2,108Tier 1 (core) risk-based capital
  • $29,711Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32,123Restructured Loans and leases
  • $13,534Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,543Total interest income
  • $4,097Total interest expense
  • $10,446Net interest income
  • $100Provision for loan and lease losses
  • $3,422Total noninterest income
  • $975Fiduciary activities
  • $648Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,799Additional noninterest income
  • $9,976Total noninterest expense
  • $4,845Salaries and employee benefits
  • $1,644Premises and equipment expense
  • $3,487Additional noninterest expense
  • $3,792Pre-tax net operating income
  • -$2,172Securities gains (losses)
  • $0Applicable income taxes
  • $1,620Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,620Net income attributable to bank
  • $0Net charge-offs
  • $1,620Cash dividends
  • $295Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 3.72%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 0.54%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 6.75%Return on equity (ROE)
  • 5.08%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 33.90%Credit loss provision to net charge-offs
  • 13.19%Efficiency ratio
  • 71,935Assets per employee
  • 3.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.69%Loss allowance to loans
  • 2.06%Loss allowance to noncurrent loans
  • 40.06%Noncurrent assets plus other real estate owned to assets
  • 2.53%Noncurrent loans to loans
  • 5.14%Net loans and leases to deposits
  • 54.59%Net loans and leases to core deposits
  • 62.60%Equity capital to assets
  • 8.57%Core capital (leverage) ratio
  • 10.17%Tier 1 risk-based capital ratio
  • 15.92%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $299,767Average earning assets
  • $23,994Average equity
  • $281,124Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $224,910Managed Assets
  • 1Number of Accounts
  • $189,349Personal trust and agency accounts
  • $64,122Employee benefit-defined contribution accounts
  • $77,304Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $3,788Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $15,174Other fiduciary accounts
  • $28,371Fiduciary accounts held in foreign offices
  • $590Non-managed Assets
  • 215Number of Accounts
  • $0Personal trust and agency accounts
  • $3,788Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $35,561Other retirement accounts
  • $2,797Corporate trust and agency accounts
  • $3,914Other fiduciary accounts
  • $3,157Fiduciary accounts held in foreign offices

List of branches

  • 3 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03548Winona National Bank204 Main Street, Winona, MN 55987January 01, 1874Full Service Brick and Mortar
    114067West Office1491 West Broadway, Winona, MN 55987April 29, 1971Full Service Brick and Mortar
    2365191East Office840 Mankato Avenue, Winona, MN 55987October 06, 2001Full Service Brick and Mortar

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