Vitals
  • Total Assets
    33.0M 4.0 %
  • Total Deposits
    29.8M 8.8 %
  • Total Net Loans
    18.9M -11.3 %
  • Net Income
    165000.0000 -41.1 %
  • Book Value
    3.1M -3.5 %
  • Book Value x2
    6.3M -3.5 %
  • Book Value x3
    9.4M -3.5 %
ROAA

.493

ROAE

5.14

Efficiency Ratio

84.781

Net Interest Margin

4.801

Balance Sheet Highlights
Financial Highlights Western National Bank All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 32,965 147,703
Total Net Loans 18,941 97,223
Total Deposits 29,755 126,600
Total Equity 3,133 15,565
Profitability
Net Income 165 1,683
Return on Average Assets .493 1.08
Return on Average Equity 5.14 9.905
Net Interest Margin 4.801 3.845
Efficiency Ratio 84.781 68.21
Noninterest Income/Revenue 15.37 13.68
Balance Sheet Ratios
Loan-to-Deposit 63.657 75.205
Securities/Assets .104 .174
Total Equity/Total Assets .095 .105
Tangible Equity/Tangible Assets .083 .103
Capital Adequacy
Tier 1 Common Capital 2,742 15,225
Tier 1 Capital 2,742 15,232
Tier 2 Capital 215 1,135
Total Capital 2,957 16,386
Total Risk Weighted Assets 17,863 105,251
Leverage Ratio 8.1 10.475
Common Equity Tier 1 Capital Ratio 15.35 15.3
Tier 1 Capital Ratio 15.35 15.308
Total Capital Ratio 16.55 16.398

Timeline for Western National Bank

Lakes Region Insurance Agency, Llc

Lakes Region Insurance Agency, Llc became a new subsidiary organization for Western National Bank.

View Profile Apr 11 2006

Cass Lake Company

Cass Lake Company became a new parent organization for Western National Bank.

View Profile Dec 31 1970

Western National Bank

Western National Bank was established 121 years ago and is currently headquartered in Cass Lake, MN.

Jul 01 1902
Relationships Role Relationship Start Relationship End
Cass Lake Company Parent 9/24/2001
Cass Lake Company Parent 1/2/1991 9/23/2001
Cass Lake Company Parent 12/31/1987 1/1/1991
Cass Lake Company Parent 12/31/1984 12/30/1987
Cass Lake Company Parent 12/31/1981 12/30/1984
Cass Lake Company Parent 12/31/1979 12/30/1981
Cass Lake Company Parent 12/31/1970 12/30/1979
Lakes Region Insurance Agency, Llc Subsidary 4/11/2006 9/1/2011
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