Dakota Heritage Bank of North Dakota in city_name, state_name

Dakota Heritage Bank of North Dakota in Hunter, North Dakota (ND)
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Dakota Heritage Bank of North Dakota routing number info

Dakota Heritage Bank of North Dakota - Overview

General
FDIC Certificate #: 16231
Status: Active
Federal Reserve ID: 860352
Bank Holding Company (Regulatory Top Holder): Hunter Holding Company (RSSDID: 1125674, Location: Hunter, ND)
Date Established: Febuary 08, 1945
WWW: http://www.dhbanknd.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
FDIC's unique #: 10428
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: Febuary 08, 1945
Last Structure Change Effective Date: March 20, 2009
Last Structure Change Process Date: April 07, 2009
Last Data Update: April 07, 2009
Data Source Date: April 05, 2012
Location
Address: 109 Main Street, Hunter, ND 58048
County: Cass
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
Metropolitan Statistical Area (MSA): Fargo-Moorhead, ND-MN (#2520)
Combined Statistical Area (CSA): Fargo-Wahpeton, ND-MN (#244)
Core Based Statistical Area (CBSA): Fargo, ND-MN (#22020)
CBSA Metro Statistical Area: Fargo, ND-MN (#22020)
History of Changes
Participated in Absorption/Consolidation/Merger
Change in Location
Financial Summary
Total assets: $126.1 mil
Equity capital: $12.2 mil
Deposits held in domestic offices: $113.3 mil
Return on assets (ROA): 1.55% ($2.0 mil)
Quarterly return on assets: 1.72% ($2.2 mil)
Return on Equity (ROE): 15.96% ($1.9 mil)
Quarterly return on equity: 17.41% ($2.1 mil)
Net income: $1.9 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.66% ($2,093.0 mil)
Quarterly Pretax return on assets: 1.93% ($2,433.5 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
33Total employees (full-time equivalent)
$126,087Total assets
$11,267Cash and due from depository institutions
$0Interest-bearing balances
$23,800Securities
$5,000Federal funds sold & reverse repurchase agreements
$81,892Net loans & leases
$1,064Loan loss allowance
$0Trading account assets
$802Bank premises and fixed assets
$0Other real estate owned
$1,272Goodwill and other intangibles
$126,087Life insurance assets
$2,054All other assets
$113,866Total liabilities and capital
$113,258Total liabilities
$89,782Total deposits
$113,258Interest-bearing deposits
$90Deposits held in domestic offices
184.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$424Subordinated debt
$12,221All other liabilities
$12,221Total equity capital
$12,221Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$6,747Surplus
$5,374Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$41Income earned, not collected on loans
$0Earning assets
$1,725Long-term assets (5+ years)
$110,692Average Assets, year-to-date
$19,082Average Assets, quarterly
$120,402Volatile liabilities
$122,936Insider loans
$90,125FHLB advances
$124,030Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,248Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$16,245Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,476Total interest income
$922Total interest expense
$4,554Net interest income
$105Provision for loan and lease losses
$519Total noninterest income
$0Fiduciary activities
$202Service charges on deposit accounts
$0Trading account gains & fees
$317Additional noninterest income
$2,968Total noninterest expense
$1,895Salaries and employee benefits
$248Premises and equipment expense
$825Additional noninterest expense
$2,000Pre-tax net operating income
$0Securities gains (losses)
$137Applicable income taxes
$1,863Income before extraordinary items
$0Extraordinary gains - net
$1,863Net income attributable to bank
$0Net charge-offs
$1,863Cash dividends
$19Sale, conversion, retirement of capital stock, net
$1,225Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.10%Yield on earning assets
0.86%Cost of funding earning assets
4.24%Net interest margin
0.48%Noninterest income to earning assets
2.76%Noninterest expense to earning assets
1.55%Net operating income to assets
1.55%Return on assets (ROA)
1.66%Pretax return on assets
15.96%Return on equity (ROE)
5.47%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
552.63%Credit loss provision to net charge-offs
110.79%Efficiency ratio
57,895Assets per employee
3.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.75%Loss allowance to loans
1.28%Loss allowance to noncurrent loans
2595.12%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.05%Net loans and leases to deposits
72.31%Net loans and leases to core deposits
73.35%Equity capital to assets
9.69%Core capital (leverage) ratio
8.26%Tier 1 risk-based capital ratio
11.37%Total risk-based capital ratio
Memoranda
$13Average assets
$120,402Average earning assets
$11,673Average equity
$107,463Average loans

List of branches

8 North Dakota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	10428	Dakota Heritage Bank Of North Dakota	109 Main Street, Hunter, ND 58048	Febuary 08, 1945	Full Service Brick and Mortar
1	237638	Paying And Receiving Branch	Dakota Avenue, Galesburg, ND 58035	September 16, 1968	Full Service Brick and Mortar
2	237639	Paying And Receiving Branch	Main Street, Grandin, ND 58038	January 01, 1992	Full Service Brick and Mortar
3	362599	Hillsboro Branch	7 West Caledonia, Hillsboro, ND 58045	December 03, 2001	Full Service Brick and Mortar
5	5844	First State Bank Of Hope Branch	Main Street, Hope, ND 58046	January 01, 1911	Full Service Brick and Mortar
6	6050	Dakota Heritage Bank Branch	Main Street, Gackle, ND 58442	September 01, 1905	Full Service Brick and Mortar
7	249180	Jud Branch	Main Street, Jud, ND 58454	April 25, 1983	Full Service Brick and Mortar
8	9433	State Bank Of Streeter Branch	Main Street, Streeter, ND 58483	January 01, 1909	Full Service Brick and Mortar

Dakota Heritage Bank of North Dakota in Hunter, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

Dakota Heritage Bank of North Dakota - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Dakota Heritage Bank of North Dakota in Hunter, North Dakota (ND)Overview, Financial Summary, Detailed Financial Reports, Branches

Dakota Heritage Bank of North Dakota - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Dakota Heritage Bank of North Dakota in Hunter, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches