First National Bank in city_name, state_name - Detailed Financial Reports, Location

First National Bank in Milnor, North Dakota (ND)
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First National Bank - Overview

General
FDIC Certificate #: 3948
Status: Active
Federal Reserve ID: 820655
Bank Holding Company (Regulatory Top Holder): Fnb Bankshares, Inc. (RSSDID: 2352495, Location: Milnor, ND)
Date Established: January 01, 1906
WWW: http://www.fnbnk.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 2573
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
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: 414 Main Street, Milnor, ND 58060
County: Sargent
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: $67.5 mil
Equity capital: $9.9 mil
Deposits held in domestic offices: $57.3 mil
Return on assets (ROA): 1.34% ($0.9 mil)
Quarterly return on assets: 1.36% ($0.9 mil)
Return on Equity (ROE): 9.05% ($0.9 mil)
Quarterly return on equity: 9.02% ($0.9 mil)
Net income: $0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.43% ($964.7 mil)
Quarterly Pretax return on assets: 1.45% ($978.2 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
18Total employees (full-time equivalent)
$67,463Total assets
$5,102Cash and due from depository institutions
$895Interest-bearing balances
$29,614Securities
$0Federal funds sold & reverse repurchase agreements
$31,369Net loans & leases
$349Loan loss allowance
$0Trading account assets
$521Bank premises and fixed assets
$83Other real estate owned
$0Goodwill and other intangibles
$67,463Life insurance assets
$774All other assets
$57,520Total liabilities and capital
$57,250Total liabilities
$45,370Total deposits
$57,250Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$270Subordinated debt
$9,943All other liabilities
$9,943Total equity capital
$9,943Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$360Surplus
$9,283Undivided 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
$594Long-term assets (5+ years)
$61,878Average Assets, year-to-date
$22,480Average Assets, quarterly
$64,508Volatile liabilities
$66,020Insider loans
$39,078FHLB advances
$65,509Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,053Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,640Restructured Loans and leases
$665Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,946Total interest income
$434Total interest expense
$2,512Net interest income
$10Provision for loan and lease losses
$275Total noninterest income
$0Fiduciary activities
$173Service charges on deposit accounts
$0Trading account gains & fees
$102Additional noninterest income
$1,854Total noninterest expense
$1,189Salaries and employee benefits
$212Premises and equipment expense
$453Additional noninterest expense
$923Pre-tax net operating income
$0Securities gains (losses)
$60Applicable income taxes
$863Income before extraordinary items
$0Extraordinary gains - net
$863Net income attributable to bank
$0Net charge-offs
$863Cash dividends
$1Sale, conversion, retirement of capital stock, net
$504Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.84%Yield on earning assets
0.71%Cost of funding earning assets
4.13%Net interest margin
0.45%Noninterest income to earning assets
3.05%Noninterest expense to earning assets
1.34%Net operating income to assets
1.34%Return on assets (ROA)
1.43%Pretax return on assets
9.05%Return on equity (ROE)
3.77%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
1000.00%Credit loss provision to net charge-offs
933.00%Efficiency ratio
66,523Assets per employee
3.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
58.40%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.00%Net loans and leases to deposits
54.79%Net loans and leases to core deposits
55.93%Equity capital to assets
14.74%Core capital (leverage) ratio
13.82%Tier 1 risk-based capital ratio
23.17%Total risk-based capital ratio
Memoranda
$24Average assets
$64,508Average earning assets
$9,534Average equity
$60,825Average loans

List of branches

2 North Dakota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	2573	First National Bank	414 Main Street, Milnor, ND 58060	January 01, 1906	Full Service Brick and Mortar
1	202177	Lisbon Branch	305 Main Street, Lisbon, ND 58054	March 07, 1996	Full Service Brick and Mortar

First National Bank in Milnor, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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First National Bank in Milnor, North Dakota (ND)Overview, Financial Summary, Detailed Financial Reports, Branches

First National 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:

First National Bank in Milnor, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches