FDIC Certificate #: 9127 Status: Active Federal Reserve ID: 854351 Bank Holding Company (Regulatory Top Holder): Wall Street Holding Company (RSSDID: 1966215, Location: Hamilton, ND) Date Established: January 08, 1886 WWW:http://www.bankofhamilton.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 5842 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 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: 1 Wall Street, Hamilton, ND 58238 County: Pembina 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $19.1 mil Equity capital: $2.4 mil Deposits held in domestic offices: $16.7 mil Return on assets (ROA): 0.17% ($0.0 mil) Quarterly return on assets: -1.30% (-$0.2 mil) Return on Equity (ROE): 1.25% ($0.0 mil) Quarterly return on equity: -9.63% (-$0.2 mil) Net income: $0.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.20% ($38.3 mil) Quarterly Pretax return on assets: -1.55% (-$296.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$19,144Total assets
$10,489Cash and due from depository institutions
$8,023Interest-bearing balances
$2,671Securities
$2,500Federal funds sold & reverse repurchase agreements
$3,377Net loans & leases
$115Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$19,144Life insurance assets
$107All other assets
$16,770Total liabilities and capital
$16,732Total liabilities
$11,624Total deposits
$16,732Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$38Subordinated debt
$2,374All other liabilities
$2,374Total equity capital
$2,374Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$650Surplus
$1,574Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$37Income earned, not collected on loans
$0Earning assets
$73Long-term assets (5+ years)
$16,571Average Assets, year-to-date
$606Average Assets, quarterly
$17,480Volatile liabilities
$17,800Insider loans
$6,310FHLB advances
$17,366Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,400Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4Restructured Loans and leases
$35Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$391Total interest income
$28Total interest expense
$363Net interest income
$0Provision for loan and lease losses
$44Total noninterest income
$0Fiduciary activities
$31Service charges on deposit accounts
$0Trading account gains & fees
$13Additional noninterest income
$372Total noninterest expense
$192Salaries and employee benefits
$65Premises and equipment expense
$115Additional noninterest expense
$35Pre-tax net operating income
$0Securities gains (losses)
$5Applicable income taxes
$30Income before extraordinary items
$0Extraordinary gains - net
$30Net income attributable to bank
$0Net charge-offs
$30Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.52%Yield on earning assets
0.18%Cost of funding earning assets
2.34%Net interest margin
0.28%Noninterest income to earning assets
2.40%Noninterest expense to earning assets
0.17%Net operating income to assets
0.17%Return on assets (ROA)
0.20%Pretax return on assets
1.25%Return on equity (ROE)
1.25%Retained earnings to average equity (YTD only)
-0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
91,400Assets per employee
6.38%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.29%Loss allowance to noncurrent loans
310.81%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
1.06%Net loans and leases to deposits
20.18%Net loans and leases to core deposits
20.79%Equity capital to assets
12.40%Core capital (leverage) ratio
13.82%Tier 1 risk-based capital ratio
38.03%Total risk-based capital ratio
Memoranda
$39Average assets
$17,480Average earning assets
$2,407Average equity
$15,487Average loans
List of branches
1 North Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5842
Bank Of Hamilton
1 Wall Street, Hamilton, ND 58238
January 08, 1886
Full Service Brick and Mortar
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