Peoples & Enderlin State Bank in Enderlin, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 03, 1994

Peoples & Enderlin State Bank in Enderlin, North Dakota (ND)
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Peoples & Enderlin State Bank - Overview

General
FDIC Certificate #: 12271
Status: Inactive
Closing history: Corrections
Acquiring institution: Cornerstone Bank (#13198)
Federal Reserve ID: 652650
Date Established: January 01, 1891
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 7800
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 03, 1994
Last Structure Change Process Date: January 06, 1994
Last Data Update: October 06, 1995
Data Source Date: April 05, 2012
Location
Address: 201 4th Avenue, Enderlin, ND 58027
County: Ransom
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
Absorption - Without Assistance
Corrections
Financial Summary
Total assets: $15.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$8Total assets
$15,148Cash and due from depository institutions
$1,151Interest-bearing balances
$494Securities
$41Federal funds sold & reverse repurchase agreements
$10,850Net loans & leases
$2,970Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$66Other real estate owned
$0Goodwill and other intangibles
$70Life insurance assets
$0All other assets
$0Total liabilities and capital
$15,148Total liabilities
$13,066Total deposits
$12,944Interest-bearing deposits
$11,868Deposits held in domestic offices
12944.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$122Total equity capital
$122Total bank equity capital
$2,082Perpetual preferred stock
$0Common stock
$240Surplus
$960Undivided profits
Memoranda
$882Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$67Earning assets
$14,355Long-term assets (5+ years)
$361Average Assets, year-to-date
$16,209Average Assets, quarterly
$15,502Volatile liabilities
$617Insider loans
$7FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$261Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,082Total risk weighted assets
$5,415Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$990Total interest expense
$467Net interest income
$523Provision for loan and lease losses
$0Total noninterest income
$40Fiduciary activities
$0Service charges on deposit accounts
$7Trading account gains & fees
$0Additional noninterest income
$33Total noninterest expense
$368Salaries and employee benefits
$182Premises and equipment expense
$50Additional noninterest expense
$136Pre-tax net operating income
$195Securities gains (losses)
$17Applicable income taxes
$80Income before extraordinary items
$132Extraordinary gains - net
$0Net income attributable to bank
$132Net charge-offs
$120Cash dividends
$103Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.42%Cost of funding earning assets
3.03%Net interest margin
3.39%Noninterest income to earning assets
0.26%Noninterest expense to earning assets
2.39%Net operating income to assets
0.75%Return on assets (ROA)
0.81%Pretax return on assets
1.31%Return on equity (ROE)
6.39%Retained earnings to average equity (YTD only)
1.40%Net charge-offs to loans
2.68%Credit loss provision to net charge-offs
0.00%Efficiency ratio
65,364Assets per employee
1.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
78.03%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
22.94%Net loans and leases to core deposits
24.09%Equity capital to assets
13.74%Core capital (leverage) ratio
13.19%Tier 1 risk-based capital ratio
38.45%Total risk-based capital ratio
Memoranda
$38Average assets
$16,209Average earning assets
$2,065Average equity
$15,419Average loans

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