Vitals
  • Total Assets
    196.4M 21.6 %
  • Total Deposits
    176.6M 23.9 %
  • Total Net Loans
    60.5M -18.7 %
  • Net Income
    1.2M -1.2 %
  • Book Value
    17.5M 12.1 %
  • Book Value x2
    34.9M 12.1 %
  • Book Value x3
    52.4M 12.1 %
ROAA

.875

ROAE

9.747

Efficiency Ratio

52.074

Net Interest Margin

4.14

Balance Sheet Highlights
Financial Highlights Scandia American Bank & Trust All Insured Commercial Banks in North Dakota
Balance Sheet $(000)
Total Assets 196,427 164,847
Total Net Loans 60,521 105,923
Total Deposits 176,592 128,553
Total Equity 17,456 15,721
Profitability
Net Income 1,192 1,431
Return on Average Assets .875 1.078
Return on Average Equity 9.747 11.44
Net Interest Margin 4.14 4.021
Efficiency Ratio 52.074 63.087
Noninterest Income/Revenue 7.502 11.465
Balance Sheet Ratios
Loan-to-Deposit 34.272 71.711
Securities/Assets .417 .188
Total Equity/Total Assets .089 .095
Tangible Equity/Tangible Assets .077 .093
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 13,757 14,290
Tier 2 Capital 717 1,430
Total Capital 14,474 15,717
Total Risk Weighted Assets 97,347 117,104
Leverage Ratio 7.36 9.099
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.13 13.279
Total Capital Ratio 14.87 14.444

Timeline for Scandia American Bank & Trust

American Bank Center

Scandia American Bank & Trust was acquired by American Bank Center 12 years

View Profile Oct 29 2011

Countrybank Usa

Acquisition: Scandia American Bank & Trust acquired a new subsidiary, Countrybank Usa, 14 years

View Profile Jan 08 2010

American Bancor, Ltd.

American Bancor, Ltd. became a new parent organization for Scandia American Bank & Trust.

View Profile Mar 15 2005

Scandia American Bancorporation, Inc.

Scandia American Bancorporation, Inc. became a new parent organization for Scandia American Bank & Trust.

View Profile Dec 15 1981

Scandia American Bank & Trust

Scandia American Bank & Trust was established 114 years ago and is currently headquartered in Stanley, ND.

Jan 01 1910
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
American Bank Center Buyer 1,328,048 Pooling of Interests Discontinued 10/29/2011
Countrybank Usa Seller 48,149 Acquisition Discontinued 1/8/2010
Relationships Role Relationship Start Relationship End
American Bancor, Ltd. Parent 3/15/2005 10/28/2011
Scandia American Bancorporation, Inc. Parent 12/31/1983 3/14/2005
Scandia American Bancorporation, Inc. Parent 12/15/1981 12/30/1983
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