FDIC Certificate #: 15741 Status: Active Federal Reserve ID: 1008553 Bank Holding Company (Regulatory Top Holder): Commercial Bank Of Mott Employee Stock Ownership Plan (RSSDID: 2354592, Location: Mott, ND) Date Established: June 12, 1940 WWW:http://www.cbmott.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 #: 9995 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: June 13, 1940 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: 325 Brown Avenue, Mott, ND 58646 County: Hettinger Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Fargo 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: $79.4 mil Equity capital: $6.9 mil Deposits held in domestic offices: $65.8 mil Return on assets (ROA): 1.24% ($1.0 mil) Quarterly return on assets: 1.54% ($1.2 mil) Return on Equity (ROE): 15.49% ($1.1 mil) Quarterly return on equity: 17.82% ($1.2 mil) Net income: $0.9 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.73% ($1,374.1 mil) Quarterly Pretax return on assets: 2.07% ($1,644.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$79,428Total assets
$2,289Cash and due from depository institutions
$172Interest-bearing balances
$20,154Securities
$0Federal funds sold & reverse repurchase agreements
$52,984Net loans & leases
$548Loan loss allowance
$0Trading account assets
$1,013Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$79,428Life insurance assets
$2,988All other assets
$72,540Total liabilities and capital
$65,817Total liabilities
$58,317Total deposits
$65,817Interest-bearing deposits
$90Deposits held in domestic offices
1800.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,700Trading liabilities
$0Other borrowed funds
$1,223Subordinated debt
$6,888All other liabilities
$6,888Total equity capital
$6,888Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$2,450Surplus
$4,338Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$1,345Long-term assets (5+ years)
$73,310Average Assets, year-to-date
$39,659Average Assets, quarterly
$75,090Volatile liabilities
$77,683Insider loans
$66,783FHLB advances
$77,146Loans and leases held for sale
$1,270Unused loan commitments
$1,270Tier 1 (core) risk-based capital
$6,364Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,902Restructured Loans and leases
$1,676Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,298Total interest income
$966Total interest expense
$2,332Net interest income
$50Provision for loan and lease losses
$127Total noninterest income
$0Fiduciary activities
$44Service charges on deposit accounts
$0Trading account gains & fees
$83Additional noninterest income
$1,158Total noninterest expense
$681Salaries and employee benefits
$93Premises and equipment expense
$384Additional noninterest expense
$1,251Pre-tax net operating income
$47Securities gains (losses)
$364Applicable income taxes
$934Income before extraordinary items
$0Extraordinary gains - net
$934Net income attributable to bank
$0Net charge-offs
$934Cash dividends
$1Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.77%Yield on earning assets
1.40%Cost of funding earning assets
3.37%Net interest margin
0.18%Noninterest income to earning assets
1.67%Noninterest expense to earning assets
1.20%Net operating income to assets
1.24%Return on assets (ROA)
1.73%Pretax return on assets
15.49%Return on equity (ROE)
15.49%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
5000.00%Credit loss provision to net charge-offs
1301.00%Efficiency ratio
47,092Assets per employee
7.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
80.50%Net loans and leases to core deposits
81.49%Equity capital to assets
8.67%Core capital (leverage) ratio
8.25%Tier 1 risk-based capital ratio
9.53%Total risk-based capital ratio
Memoranda
$10Average assets
$75,090Average earning assets
$6,031Average equity
$69,205Average loans
List of branches
1 North Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9995
Commercial Bank Of Mott
325 Brown Avenue, Mott, ND 58646
June 12, 1940
Full Service Brick and Mortar
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