American State Bank & Trust Company of Williston in Williston, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • American State Bank & Trust Company of Williston in Williston, North Dakota (ND)
  • Show street view No street view available for this location
American State Bank & Trust Company of Williston routing number info

American State Bank & Trust Company of Williston - Overview

  • General
  • FDIC Certificate #: 15444
    Status: Active
    Federal Reserve ID: 244251
    Bank Holding Company (Regulatory Top Holder): American State Bank Holding Company, Inc. (RSSDID: 2632571, Location: Williston, ND)
    Date Established: December 01, 1936
    WWW: http://www.asbt.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12190
    FDIC's unique #: 9756
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: December 18, 1936
    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
  • Location
  • Address: 223 Main Street, Williston, ND 58801
    County: Williams
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Grand Forks
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Williston, ND (#48780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $467.1 mil
    Equity capital: $37.2 mil
    Deposits held in domestic offices: $417.4 mil
    Return on assets (ROA): 2.07% ($9.7 mil)
    Quarterly return on assets: 2.08% ($9.7 mil)
    Return on Equity (ROE): 26.86% ($9.9 mil)
    Quarterly return on equity: 25.79% ($9.5 mil)
    Net income: $8.7 mil
    Quarterly Net income: $2.3 mil
    Pretax return on assets: 2.10% ($9,809.8 mil)
    Quarterly Pretax return on assets: 2.11% ($9,856.5 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
  • 77Total employees (full-time equivalent)
  • $467,132Total assets
  • $15,810Cash and due from depository institutions
  • $791Interest-bearing balances
  • $243,578Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $193,687Net loans & leases
  • $4,057Loan loss allowance
  • $0Trading account assets
  • $3,799Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $467,132Life insurance assets
  • $10,258All other assets
  • $429,901Total liabilities and capital
  • $417,393Total liabilities
  • $291,948Total deposits
  • $417,393Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 9713.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,795Subordinated debt
  • $37,231All other liabilities
  • $37,231Total equity capital
  • $37,231Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $4,524Surplus
  • $29,707Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,665Income earned, not collected on loans
  • $219Earning assets
  • $3,087Long-term assets (5+ years)
  • $438,056Average Assets, year-to-date
  • $214,596Average Assets, quarterly
  • $418,673Volatile liabilities
  • $445,787Insider loans
  • $241,575FHLB advances
  • $447,947Loans and leases held for sale
  • $5,160Unused loan commitments
  • $2,696Tier 1 (core) risk-based capital
  • $31,237Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,464Total unused commitments
  • $35,749Restructured Loans and leases
  • $258Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,677Total interest income
  • $1,657Total interest expense
  • $15,020Net interest income
  • $1,150Provision for loan and lease losses
  • $2,863Total noninterest income
  • $1,242Fiduciary activities
  • $325Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,296Additional noninterest income
  • $8,185Total noninterest expense
  • $4,946Salaries and employee benefits
  • $480Premises and equipment expense
  • $2,759Additional noninterest expense
  • $8,548Pre-tax net operating income
  • $259Securities gains (losses)
  • $131Applicable income taxes
  • $8,676Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,676Net income attributable to bank
  • $0Net charge-offs
  • $8,676Cash dividends
  • $342Sale, conversion, retirement of capital stock, net
  • $4,054Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 2.07%Noninterest expense to earning assets
  • 2.01%Net operating income to assets
  • 2.07%Return on assets (ROA)
  • 2.10%Pretax return on assets
  • 26.86%Return on equity (ROE)
  • 14.31%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 336.26%Credit loss provision to net charge-offs
  • 28.36%Efficiency ratio
  • 45,770Assets per employee
  • 6.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.73%Loss allowance to loans
  • 2.05%Loss allowance to noncurrent loans
  • 243.66%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 46.40%Net loans and leases to core deposits
  • 47.69%Equity capital to assets
  • 7.97%Core capital (leverage) ratio
  • 6.97%Tier 1 risk-based capital ratio
  • 12.93%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $418,673Average earning assets
  • $32,305Average equity
  • $394,675Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $374,287Managed Assets
  • 1Number of Accounts
  • $307,065Personal trust and agency accounts
  • $50,178Employee benefit-defined contribution accounts
  • $22,336Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $6,400Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $226,053Other fiduciary accounts
  • $1,462Fiduciary accounts held in foreign offices
  • $636Non-managed Assets
  • 673Number of Accounts
  • $0Personal trust and agency accounts
  • $5,229Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $67,222Other retirement accounts
  • $4,306Corporate trust and agency accounts
  • $13,994Other fiduciary accounts
  • $15,192Fiduciary accounts held in foreign offices

List of branches

  • 2 North Dakota Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    09756American State Bank & Trust Company223 Main Street, Williston, ND 58801December 01, 1936Full Service Brick and Mortar
    1233984North Branch2523 Second Avenue West, Williston, ND 58801March 18, 1963Limited Service Facility

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with American State Bank & Trust Company of Williston.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents