FDIC Certificate #: 15440 Status: Active Federal Reserve ID: 1009055 Bank Holding Company (Regulatory Top Holder): Napoleon Bancorporation, Inc. (RSSDID: 1127155, Location: Napoleon, ND) Date Established: January 01, 1900 WWW:http://www.stockgrowersbanknapoleon.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9752 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: 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: 212 Main Avenue, Napoleon, ND 58561 County: Logan 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: $61.2 mil Equity capital: $6.8 mil Deposits held in domestic offices: $54.2 mil Return on assets (ROA): 1.52% ($0.9 mil) Quarterly return on assets: 1.13% ($0.7 mil) Return on Equity (ROE): 13.36% ($0.9 mil) Quarterly return on equity: 9.50% ($0.7 mil) Net income: $0.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.64% ($1,003.4 mil) Quarterly Pretax return on assets: 1.17% ($715.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$61,182Total assets
$2,766Cash and due from depository institutions
$0Interest-bearing balances
$17,056Securities
$9,800Federal funds sold & reverse repurchase agreements
$30,469Net loans & leases
$354Loan loss allowance
$0Trading account assets
$152Bank premises and fixed assets
$0Other real estate owned
$79Goodwill and other intangibles
$61,182Life insurance assets
$860All other assets
$54,376Total liabilities and capital
$54,182Total liabilities
$44,713Total deposits
$54,182Interest-bearing deposits
$78Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$194Subordinated debt
$6,806All other liabilities
$6,806Total equity capital
$6,806Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$2,328Surplus
$4,278Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$13Income earned, not collected on loans
$0Earning assets
$737Long-term assets (5+ years)
$57,325Average Assets, year-to-date
$21,085Average Assets, quarterly
$54,307Volatile liabilities
$56,471Insider loans
$37,581FHLB advances
$55,876Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,003Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,900Restructured Loans and leases
$114Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,213Total interest income
$442Total interest expense
$1,771Net interest income
$0Provision for loan and lease losses
$176Total noninterest income
$0Fiduciary activities
$52Service charges on deposit accounts
$0Trading account gains & fees
$124Additional noninterest income
$1,063Total noninterest expense
$699Salaries and employee benefits
$102Premises and equipment expense
$262Additional noninterest expense
$884Pre-tax net operating income
$7Securities gains (losses)
$63Applicable income taxes
$828Income before extraordinary items
$0Extraordinary gains - net
$828Net income attributable to bank
$0Net charge-offs
$828Cash dividends
$3Sale, conversion, retirement of capital stock, net
$499Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.47%Yield on earning assets
0.89%Cost of funding earning assets
3.58%Net interest margin
0.36%Noninterest income to earning assets
2.15%Noninterest expense to earning assets
1.51%Net operating income to assets
1.52%Return on assets (ROA)
1.64%Pretax return on assets
13.36%Return on equity (ROE)
5.31%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
294.67%Efficiency ratio
54,237Assets per employee
6.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
60.27%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
2723.08%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.04%Net loans and leases to deposits
56.23%Net loans and leases to core deposits
60.36%Equity capital to assets
11.12%Core capital (leverage) ratio
10.74%Tier 1 risk-based capital ratio
15.97%Total risk-based capital ratio
Memoranda
$17Average assets
$54,307Average earning assets
$6,196Average equity
$49,476Average loans
List of branches
1 North Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9752
Stock Growers Bank
212 Main Avenue, Napoleon, ND 58561
January 01, 1900
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Stock Growers Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: