Denali State Bank in city_name, state_name - Detailed Financial Reports, Location

Denali State Bank in Fairbanks, Alaska (AK)
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Denali State Bank routing number info

Denali State Bank - Overview

General
FDIC Certificate #: 26530
Status: Active
Federal Reserve ID: 571265
Bank Holding Company (Regulatory Top Holder): Denali Bancorporation, Inc. (RSSDID: 1989241, Location: Fairbanks, AK)
Date Established: Febuary 03, 1986
WWW: http://www.denalistatebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 33232
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: Febuary 03, 1986
Last Structure Change Effective Date: Febuary 15, 2012
Last Structure Change Process Date: Febuary 15, 2012
Last Data Update: Febuary 15, 2012
Data Source Date: April 05, 2012
Location
Address: 119 North Cushman Street, Fairbanks, AK 99701
County: Fairbanks North Star
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Seattle
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Fairbanks, AK (#21820)
CBSA Metro Statistical Area: Fairbanks, AK (#21820)
Financial Summary
Total assets: $260.9 mil
Equity capital: $22.7 mil
Deposits held in domestic offices: $235.8 mil
Return on assets (ROA): 0.87% ($2.3 mil)
Quarterly return on assets: 0.77% ($2.0 mil)
Return on Equity (ROE): 10.34% ($2.4 mil)
Quarterly return on equity: 8.85% ($2.0 mil)
Net income: $2.3 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.19% ($3,104.6 mil)
Quarterly Pretax return on assets: 0.97% ($2,530.7 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
81Total employees (full-time equivalent)
$260,894Total assets
$6,077Cash and due from depository institutions
$3,178Interest-bearing balances
$90,457Securities
$0Federal funds sold & reverse repurchase agreements
$155,385Net loans & leases
$2,441Loan loss allowance
$0Trading account assets
$5,527Bank premises and fixed assets
$119Other real estate owned
$0Goodwill and other intangibles
$260,894Life insurance assets
$3,329All other assets
$238,200Total liabilities and capital
$235,840Total liabilities
$150,059Total deposits
$235,840Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$314Trading liabilities
$0Other borrowed funds
$2,046Subordinated debt
$22,694All other liabilities
$22,694Total equity capital
$22,694Total bank equity capital
$0Perpetual preferred stock
$4,404Common stock
$7,929Surplus
$10,361Undivided profits
Memoranda
$0Noncurrent loans and leases
$3,755Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$708Income earned, not collected on loans
$148Earning assets
$1,185Long-term assets (5+ years)
$249,020Average Assets, year-to-date
$95,189Average Assets, quarterly
$259,751Volatile liabilities
$262,388Insider loans
$167,351FHLB advances
$265,640Loans and leases held for sale
$101Unused loan commitments
$101Tier 1 (core) risk-based capital
$21,508Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,907Restructured Loans and leases
$3,223Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,484Total interest income
$789Total interest expense
$10,695Net interest income
$480Provision for loan and lease losses
$2,611Total noninterest income
$0Fiduciary activities
$836Service charges on deposit accounts
$0Trading account gains & fees
$1,775Additional noninterest income
$9,813Total noninterest expense
$5,899Salaries and employee benefits
$1,305Premises and equipment expense
$2,609Additional noninterest expense
$3,013Pre-tax net operating income
$78Securities gains (losses)
$835Applicable income taxes
$2,256Income before extraordinary items
$0Extraordinary gains - net
$2,256Net income attributable to bank
$0Net charge-offs
$2,256Cash dividends
$446Sale, conversion, retirement of capital stock, net
$700Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.64%Yield on earning assets
0.32%Cost of funding earning assets
4.32%Net interest margin
1.06%Noninterest income to earning assets
3.97%Noninterest expense to earning assets
0.85%Net operating income to assets
0.87%Return on assets (ROA)
1.19%Pretax return on assets
10.34%Return on equity (ROE)
7.13%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
107.62%Credit loss provision to net charge-offs
7.83%Efficiency ratio
73,749Assets per employee
3.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
31.03%Loss allowance to loans
1.55%Loss allowance to noncurrent loans
344.77%Noncurrent assets plus other real estate owned to assets
0.32%Noncurrent loans to loans
0.45%Net loans and leases to deposits
65.89%Net loans and leases to core deposits
81.28%Equity capital to assets
8.70%Core capital (leverage) ratio
8.10%Tier 1 risk-based capital ratio
12.85%Total risk-based capital ratio
Memoranda
$14Average assets
$259,751Average earning assets
$21,822Average equity
$247,456Average loans

List of branches

5 Alaska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	33232	Denali State Bank	119 North Cushman Street, Fairbanks, AK 99701	Febuary 03, 1986	Full Service Brick and Mortar
2	259655	Golden Heart Branch	1989 Airport Way, Fairbanks, AK 99701	July 23, 1990	Full Service Brick and Mortar
3	259656	Tok Branch	Mile 1314 Alaskan Highway, Tok, AK 99780	October 02, 1995	Full Service Retail
4	419707	Van Horn Branch	975 Van Horn Road, Fairbanks, AK 99707	October 20, 2002	Full Service Brick and Mortar
5	442495	Chena Pump Branch	470 Chena Pump Road, Fairbanks, AK 99709	November 15, 2004	Full Service Brick and Mortar

Denali State Bank in Fairbanks, Alaska (AK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Denali State Bank - 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:

Denali State Bank in Fairbanks, Alaska (AK)Overview, Financial Summary, Detailed Financial Reports, Branches

Denali State Bank - 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:

Denali State Bank in Fairbanks, Alaska (AK)
Overview, Financial Summary, Detailed Financial Reports, Branches