Vitals
  • Total Assets
    114.6M -7.4 %
  • Total Deposits
    100.6M -8.5 %
  • Total Net Loans
    69.9M -1.4 %
  • Net Income
    1.1M 3.4 %
  • Book Value
    13.8M 1.3 %
  • Book Value x2
    27.5M 1.3 %
  • Book Value x3
    41.3M 1.3 %
ROAA

.91

ROAE

7.995

Efficiency Ratio

73.899

Net Interest Margin

3.832

Balance Sheet Highlights
Financial Highlights Western National Bank All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 114,612 147,703
Total Net Loans 69,886 97,223
Total Deposits 100,602 126,600
Total Equity 13,760 15,565
Profitability
Net Income 1,091 1,683
Return on Average Assets .91 1.08
Return on Average Equity 7.995 9.905
Net Interest Margin 3.832 3.845
Efficiency Ratio 73.899 68.21
Noninterest Income/Revenue 14.172 13.68
Balance Sheet Ratios
Loan-to-Deposit 69.468 75.205
Securities/Assets .05 .174
Total Equity/Total Assets .12 .105
Tangible Equity/Tangible Assets .091 .103
Capital Adequacy
Tier 1 Common Capital 10,859 15,225
Tier 1 Capital 10,859 15,232
Tier 2 Capital 541 1,135
Total Capital 11,400 16,386
Total Risk Weighted Assets 68,731 105,251
Leverage Ratio 9.49 10.475
Common Equity Tier 1 Capital Ratio 15.8 15.3
Tier 1 Capital Ratio 15.8 15.308
Total Capital Ratio 16.59 16.398

Timeline for Western National Bank

Western Bancorporation, Inc.

Western Bancorporation, Inc. became a new parent organization for Western National Bank.

View Profile Oct 31 1991

Western National Bank

Western National Bank was established 120 years ago and is currently headquartered in Duluth, MN.

Jan 04 1904
Relationships Role Relationship Start Relationship End
Western Bancorporation, Inc. Parent 1/2/2005
Western Bancorporation, Inc. Parent 11/8/1996 1/1/2005
Western Bancorporation, Inc. Parent 12/13/1991 11/7/1996
Western Bancorporation, Inc. Parent 10/31/1991 12/12/1991
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