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

Lincoln State Bank in Hankinson, North Dakota (ND)
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Lincoln State Bank routing number info

Lincoln State Bank - Overview

General
FDIC Certificate #: 8390
Status: Active
Federal Reserve ID: 667551
Bank Holding Company (Regulatory Top Holder): Lincoln Holding Company (RSSDID: 1495788, Location: Hankinson, ND)
Date Established: August 03, 1903
WWW: http://www.lsbhank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 5345
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: January 01, 1934
Last Structure Change Effective Date: June 03, 2010
Last Structure Change Process Date: June 03, 2010
Last Data Update: June 03, 2010
Data Source Date: April 05, 2012
Location
Address: 302 South Main St, Hankinson, ND 58041
County: Richland
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
Combined Statistical Area (CSA): Fargo-Wahpeton, ND-MN (#244)
Core Based Statistical Area (CBSA): Wahpeton, ND-MN (#47420)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $54.3 mil
Equity capital: $4.4 mil
Deposits held in domestic offices: $49.1 mil
Return on assets (ROA): 1.09% ($0.6 mil)
Quarterly return on assets: 1.14% ($0.6 mil)
Return on Equity (ROE): 13.66% ($0.5 mil)
Quarterly return on equity: 13.81% ($0.6 mil)
Net income: $0.6 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.17% ($635.1 mil)
Quarterly Pretax return on assets: 1.23% ($667.7 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
15Total employees (full-time equivalent)
$54,283Total assets
$1,972Cash and due from depository institutions
$0Interest-bearing balances
$25,420Securities
$0Federal funds sold & reverse repurchase agreements
$25,299Net loans & leases
$321Loan loss allowance
$0Trading account assets
$952Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$54,283Life insurance assets
$640All other assets
$49,896Total liabilities and capital
$49,137Total liabilities
$37,771Total deposits
$49,137Interest-bearing deposits
$89Deposits held in domestic offices
555.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$204Subordinated debt
$4,387All other liabilities
$4,387Total equity capital
$4,387Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$2,000Surplus
$2,237Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$102Income earned, not collected on loans
$0Earning assets
$453Long-term assets (5+ years)
$50,719Average Assets, year-to-date
$19,435Average Assets, quarterly
$52,634Volatile liabilities
$53,155Insider loans
$26,861FHLB advances
$54,053Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,083Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,523Restructured Loans and leases
$15Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,163Total interest income
$387Total interest expense
$1,776Net interest income
$30Provision for loan and lease losses
$170Total noninterest income
$0Fiduciary activities
$108Service charges on deposit accounts
$0Trading account gains & fees
$62Additional noninterest income
$1,435Total noninterest expense
$809Salaries and employee benefits
$223Premises and equipment expense
$403Additional noninterest expense
$481Pre-tax net operating income
$136Securities gains (losses)
$42Applicable income taxes
$575Income before extraordinary items
$0Extraordinary gains - net
$575Net income attributable to bank
$0Net charge-offs
$575Cash dividends
$30Sale, conversion, retirement of capital stock, net
$310Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.36%Yield on earning assets
0.78%Cost of funding earning assets
3.58%Net interest margin
0.34%Noninterest income to earning assets
2.89%Noninterest expense to earning assets
0.85%Net operating income to assets
1.09%Return on assets (ROA)
1.17%Pretax return on assets
13.66%Return on equity (ROE)
6.29%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
17.03%Efficiency ratio
73,381Assets per employee
3.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.91%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
314.71%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.40%Net loans and leases to deposits
51.49%Net loans and leases to core deposits
53.67%Equity capital to assets
8.08%Core capital (leverage) ratio
7.55%Tier 1 risk-based capital ratio
15.20%Total risk-based capital ratio
Memoranda
$16Average assets
$52,634Average earning assets
$4,210Average equity
$49,584Average loans

List of branches

3 North Dakota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5345	Lincoln State Bank	302 South Main St, Hankinson, ND 58041	August 03, 1903	Full Service Brick and Mortar
1	218370	Lincoln State Bank - Wyndmere	400 Ash Avenue, Wyndmere, ND 58081	December 19, 1956	Full Service Brick and Mortar
3	419201	Lidgerwood Branch	39 Wiley Avenue North, Lidgerwood, ND 58053	January 27, 2003	Full Service Brick and Mortar

Lincoln State Bank in Hankinson, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

Lincoln 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:

Lincoln State Bank in Hankinson, North Dakota (ND)Overview, Financial Summary, Detailed Financial Reports, Branches

Lincoln 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:

Lincoln State Bank in Hankinson, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches