First National Bank of Menahga & Sebeka in city_name, state_name

First National Bank of Menahga & Sebeka in Menahga, Minnesota (MN)
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First National Bank of Menahga & Sebeka routing number info

First National Bank of Menahga & Sebeka - Overview

General
FDIC Certificate #: 5197
Status: Active
Federal Reserve ID: 923855
Bank Holding Company (Regulatory Top Holder): Menahga Bancshares, Inc. (RSSDID: 1123951, Location: Menahga, MN)
Date Established: September 01, 1898
WWW: http://www.fnbmenahga.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 #: 3486
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
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: 21 Main St Ne, Menahga, MN 56464
County: Wadena
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
Change in Location
Financial Summary
Total assets: $81.2 mil
Equity capital: $10.8 mil
Deposits held in domestic offices: $70.1 mil
Return on assets (ROA): 1.64% ($1.3 mil)
Quarterly return on assets: 1.48% ($1.2 mil)
Return on Equity (ROE): 12.21% ($1.3 mil)
Quarterly return on equity: 10.94% ($1.2 mil)
Net income: $1.3 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.65% ($1,339.4 mil)
Quarterly Pretax return on assets: 1.48% ($1,201.4 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
23Total employees (full-time equivalent)
$81,177Total assets
$12,770Cash and due from depository institutions
$9,505Interest-bearing balances
$20,104Securities
$0Federal funds sold & reverse repurchase agreements
$44,624Net loans & leases
$676Loan loss allowance
$0Trading account assets
$810Bank premises and fixed assets
$888Other real estate owned
$911Goodwill and other intangibles
$81,177Life insurance assets
$1,070All other assets
$70,379Total liabilities and capital
$70,117Total liabilities
$61,414Total deposits
$70,117Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$63Trading liabilities
$0Other borrowed funds
$199Subordinated debt
$10,798All other liabilities
$10,798Total equity capital
$10,798Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$3,880Surplus
$6,818Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,321Income earned, not collected on loans
$69Earning assets
$462Long-term assets (5+ years)
$74,233Average Assets, year-to-date
$13,041Average Assets, quarterly
$78,816Volatile liabilities
$80,468Insider loans
$44,261FHLB advances
$80,090Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,402Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,618Restructured Loans and leases
$153Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,016Total interest income
$802Total interest expense
$3,214Net interest income
$179Provision for loan and lease losses
$565Total noninterest income
$0Fiduciary activities
$62Service charges on deposit accounts
$0Trading account gains & fees
$503Additional noninterest income
$2,344Total noninterest expense
$1,169Salaries and employee benefits
$210Premises and equipment expense
$965Additional noninterest expense
$1,256Pre-tax net operating income
$41Securities gains (losses)
$1Applicable income taxes
$1,296Income before extraordinary items
$0Extraordinary gains - net
$1,296Net income attributable to bank
$0Net charge-offs
$1,296Cash dividends
$218Sale, conversion, retirement of capital stock, net
$883Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.59%Yield on earning assets
1.12%Cost of funding earning assets
4.47%Net interest margin
0.79%Noninterest income to earning assets
3.26%Noninterest expense to earning assets
1.59%Net operating income to assets
1.64%Return on assets (ROA)
1.65%Pretax return on assets
12.21%Return on equity (ROE)
3.89%Retained earnings to average equity (YTD only)
0.45%Net charge-offs to loans
82.11%Credit loss provision to net charge-offs
6.58%Efficiency ratio
60,042Assets per employee
3.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.13%Loss allowance to loans
1.49%Loss allowance to noncurrent loans
51.17%Noncurrent assets plus other real estate owned to assets
2.72%Noncurrent loans to loans
2.92%Net loans and leases to deposits
63.64%Net loans and leases to core deposits
67.71%Equity capital to assets
13.30%Core capital (leverage) ratio
11.74%Tier 1 risk-based capital ratio
21.24%Total risk-based capital ratio
Memoranda
$22Average assets
$78,816Average earning assets
$10,613Average equity
$71,884Average loans

List of branches

2 Minnesota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	3486	First National Bank Of Menahga & Seb	21 Main St Ne, Menahga, MN 56464	September 01, 1898	Full Service Brick and Mortar
1	10877	Sebeka Office	Main Street, Sebeka, MN 56477	January 01, 1930	Full Service Brick and Mortar

First National Bank of Menahga & Sebeka in Menahga, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Menahga & Sebeka - 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 of Menahga & Sebeka in Menahga, Minnesota (MN)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Menahga & Sebeka - 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 of Menahga & Sebeka in Menahga, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches