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

First National Bank in Hawley, Minnesota (MN)
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First National Bank - Overview

General
FDIC Certificate #: 5161
Status: Active
Federal Reserve ID: 22954
Bank Holding Company (Regulatory Top Holder): First Hawley Bancshares, Inc. (RSSDID: 1137387, Location: Hawley, MN)
Date Established: January 01, 1905
WWW: http://www.fnbhawley.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)
OTS Docket #: 9610
FDIC's unique #: 3456
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: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
Location
Address: 1018 Hobart Street, Hawley, MN 56549
County: Clay
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)
Financial Summary
Total assets: $93.5 mil
Equity capital: $9.0 mil
Deposits held in domestic offices: $77.9 mil
Return on assets (ROA): 0.92% ($0.9 mil)
Quarterly return on assets: 0.55% ($0.5 mil)
Return on Equity (ROE): 9.44% ($0.8 mil)
Quarterly return on equity: 5.56% ($0.5 mil)
Net income: $0.8 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.36% ($1,272.0 mil)
Quarterly Pretax return on assets: 1.38% ($1,290.7 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
20Total employees (full-time equivalent)
$93,527Total assets
$14,545Cash and due from depository institutions
$11,015Interest-bearing balances
$19,465Securities
$0Federal funds sold & reverse repurchase agreements
$55,034Net loans & leases
$1,382Loan loss allowance
$0Trading account assets
$1,042Bank premises and fixed assets
$173Other real estate owned
$0Goodwill and other intangibles
$93,527Life insurance assets
$3,268All other assets
$84,553Total liabilities and capital
$77,856Total liabilities
$65,359Total deposits
$77,856Interest-bearing deposits
$90Deposits held in domestic offices
50.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,063Trading liabilities
$0Other borrowed funds
$584Subordinated debt
$8,974All other liabilities
$8,974Total equity capital
$8,974Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$800Surplus
$8,074Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,341Income earned, not collected on loans
$107Earning assets
$803Long-term assets (5+ years)
$85,514Average Assets, year-to-date
$18,008Average Assets, quarterly
$87,219Volatile liabilities
$90,555Insider loans
$67,807FHLB advances
$89,933Loans and leases held for sale
$702Unused loan commitments
$702Tier 1 (core) risk-based capital
$8,567Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,665Restructured Loans and leases
$724Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,316Total interest income
$968Total interest expense
$3,348Net interest income
$140Provision for loan and lease losses
$381Total noninterest income
$0Fiduciary activities
$273Service charges on deposit accounts
$0Trading account gains & fees
$108Additional noninterest income
$2,403Total noninterest expense
$1,492Salaries and employee benefits
$203Premises and equipment expense
$708Additional noninterest expense
$1,186Pre-tax net operating income
$0Securities gains (losses)
$380Applicable income taxes
$806Income before extraordinary items
$0Extraordinary gains - net
$806Net income attributable to bank
$0Net charge-offs
$806Cash dividends
$70Sale, conversion, retirement of capital stock, net
$195Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.38%Yield on earning assets
1.21%Cost of funding earning assets
4.18%Net interest margin
0.48%Noninterest income to earning assets
3.00%Noninterest expense to earning assets
0.92%Net operating income to assets
0.92%Return on assets (ROA)
1.36%Pretax return on assets
9.44%Return on equity (ROE)
7.15%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
200.00%Credit loss provision to net charge-offs
18.94%Efficiency ratio
64,441Assets per employee
4.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
24.19%Loss allowance to loans
2.45%Loss allowance to noncurrent loans
103.06%Noncurrent assets plus other real estate owned to assets
1.62%Noncurrent loans to loans
2.38%Net loans and leases to deposits
70.69%Net loans and leases to core deposits
76.31%Equity capital to assets
9.60%Core capital (leverage) ratio
9.53%Tier 1 risk-based capital ratio
12.63%Total risk-based capital ratio
Memoranda
$14Average assets
$87,219Average earning assets
$8,540Average equity
$80,170Average loans

List of branches

2 Minnesota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	3456	First National Bank	1018 Hobart Street, Hawley, MN 56549	January 01, 1905	Full Service Brick and Mortar
1	207269	Dilworth Branch	101 Center Avenue East, Dilworth, MN 56529	November 07, 1994	Full Service Brick and Mortar

First National Bank in Hawley, Minnesota (MN)
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 Hawley, Minnesota (MN)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 Hawley, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches