Vitals
  • Total Assets
    488.8M 0.6 %
  • Total Deposits
    360.3M -4.1 %
  • Total Net Loans
    279.6M 8.6 %
  • Net Income
    3.4M 1.3 %
  • Book Value
    51.6M 2.0 %
  • Book Value x2
    103.2M 2.0 %
  • Book Value x3
    154.8M 2.0 %
ROAA

.689

ROAE

6.529

Efficiency Ratio

69.649

Net Interest Margin

3.873

Balance Sheet Highlights
Financial Highlights Highland Bank All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 488,835 147,703
Total Net Loans 279,616 97,223
Total Deposits 360,269 126,600
Total Equity 51,606 15,565
Profitability
Net Income 3,406 1,683
Return on Average Assets .689 1.08
Return on Average Equity 6.529 9.905
Net Interest Margin 3.873 3.845
Efficiency Ratio 69.649 68.21
Noninterest Income/Revenue 9.905 13.68
Balance Sheet Ratios
Loan-to-Deposit 77.613 75.205
Securities/Assets .377 .174
Total Equity/Total Assets .106 .105
Tangible Equity/Tangible Assets .104 .103
Capital Adequacy
Tier 1 Common Capital 48,186 15,225
Tier 1 Capital 48,186 15,232
Tier 2 Capital 4,197 1,135
Total Capital 52,383 16,386
Total Risk Weighted Assets 333,717 105,251
Leverage Ratio 9.87 10.475
Common Equity Tier 1 Capital Ratio 14.44 15.3
Tier 1 Capital Ratio 14.44 15.308
Total Capital Ratio 15.7 16.398

Timeline for Highland Bank

Ridgedale State Bank

Acquisition: Highland Bank acquired a new subsidiary, Ridgedale State Bank, 15 years

View Profile Aug 09 2008

The Highland Bank

Acquisition: Highland Bank acquired a new subsidiary, The Highland Bank, 28 years

View Profile Oct 01 1995

Highland Bancshares, Inc.

Highland Bancshares, Inc. became a new parent organization for Highland Bank.

View Profile Sep 01 1979

Highland Bank

Highland Bank was established 80 years ago and is currently headquartered in Saint Michael, MN.

Dec 28 1943
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Ridgedale State Bank Seller 115,632 Pooling of Interests Discontinued 8/9/2008
The Highland Bank Seller 108,213 Pooling of Interests Discontinued 10/1/1995
Relationships Role Relationship Start Relationship End
Highland Bancshares, Inc. Parent 3/31/1983
Highland Bancshares, Inc. Parent 9/1/1979 3/30/1983
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