Winona National Bank in Winona, Minnesota (MN)

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Winona National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)77
Total assets$279,195
Cash and due from depository institutions$24,997
Interest-bearing balances$18,919
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$123,078
Loan loss allowance $2,586
Trading account assets$0
Bank premises and fixed assets$3,591
Other real estate owned$600
Goodwill and other intangibles$1,321
All other assets$6,448
Life insurance assets$279,195
Total liabilities and capital$255,274
Total liabilities$225,442
Total deposits$183,349
Interest-bearing deposits$225,442
Deposits held in domestic offices$92
% insured (estimated)10474.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$17,000
Other borrowed funds $0
Subordinated debt $2,358
All other liabilities $23,921
Total equity capital$23,921
Total bank equity capital$23,921
Perpetual preferred stock$0
Common stock$700
Undivided profits $11,961
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $73
Income earned, not collected on loans $6,455
Earning assets $0
Long-term assets (5+ years) $1,152
Average Assets, year-to-date $261,157
Average Assets, quarterly $107,235
Volatile liabilities $299,767
Insider loans $286,732
FHLB advances $186,659
Loans and leases held for sale $292,086
Unused loan commitments $2,108
Tier 1 (core) risk-based capital $2,108
Tier 2 risk-based capital $29,711
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $32,123
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,543
Total interest expense $4,097
Net interest income $10,446
Provision for loan and lease losses $100
Total noninterest income $3,422
Fiduciary activities $975
Service charges on deposit accounts $648
Trading account gains & fees $0
Additional noninterest income $1,799
Total noninterest expense $9,976
Salaries and employee benefits $4,845
Premises and equipment expense $1,644
Additional noninterest expense $3,487
Pre-tax net operating income $3,792
Securities gains (losses) -$2,172
Applicable income taxes $0
Income before extraordinary items $1,620
Extraordinary gains - net $0
Net income attributable to bank $1,620
Net charge-offs $0
Cash dividends $1,620
Sale, conversion, retirement of capital stock, net $295
Net operating income $400
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.17%
Cost of funding earning assets 1.46%
Net interest margin 3.72%
Noninterest income to earning assets 1.22%
Noninterest expense to earning assets 3.55%
Net operating income to assets 1.26%
Return on assets (ROA) 0.54%
Pretax return on assets 0.54%
Return on equity (ROE) 6.75%
Retained earnings to average equity (YTD only) 5.08%
Net charge-offs to loans 0.22%
Credit loss provision to net charge-offs 33.90%
Efficiency ratio13.19%
Assets per employee$71,935
Cash dividends to net income (YTD only)3.63%
Condition Ratios (%)
Loss allowance to loans 24.69%
Loss allowance to noncurrent loans 2.06%
Noncurrent assets plus other real estate owned to assets 40.06%
Noncurrent loans to loans 2.53%
Net loans and leases to deposits5.14%
Net loans and leases to core deposits 54.59%
Equity capital to assets 62.60%
Core capital (leverage) ratio 8.57%
Tier 1 risk-based capital ratio 10.17%
Total risk-based capital ratio 15.92%
Average assets$17
Average earning assets$299,767
Average equity $23,994
Average loans $281,124
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$224,910
Number of Accounts1
Personal trust and agency accounts$189,349
Employee benefit-defined contribution accounts$64,122
Employee benefit-defined benefit accounts$77,304
Other retirement accounts$0
Corporate trust and agency accounts$3,788
Investment management agency accounts$0
Other fiduciary accounts$15,174
Fiduciary accounts held in foreign offices$28,371
Non-managed Assets$590
Number of Accounts215
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$3,788
Employee benefit-defined benefit accounts$0
Other retirement accounts$35,561
Corporate trust and agency accounts$2,797
Other fiduciary accounts$3,914
Fiduciary accounts held in foreign offices$3,157
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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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