FDIC Certificate #: 17280 Status: Active Federal Reserve ID: 768953 Bank Holding Company (Regulatory Top Holder): Tioga Bank Holding Company (RSSDID: 1124109, Location: Tioga, ND) Date Established: July 16, 1952 WWW:http://www.thebankoftioga.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 #: 11299 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: December 07, 1953 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: 7 North Main Street, Tioga, ND 58852 County: Williams Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Grand Forks Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Williston, ND (#48780) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $111.7 mil Equity capital: $9.9 mil Deposits held in domestic offices: $101.0 mil Return on assets (ROA): 1.24% ($1.4 mil) Quarterly return on assets: 1.11% ($1.2 mil) Return on Equity (ROE): 13.73% ($1.4 mil) Quarterly return on equity: 12.33% ($1.2 mil) Net income: $1.2 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.33% ($1,485.5 mil) Quarterly Pretax return on assets: 1.19% ($1,329.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$111,689Total assets
$36,118Cash and due from depository institutions
$11,488Interest-bearing balances
$33,685Securities
$8,000Federal funds sold & reverse repurchase agreements
$30,112Net loans & leases
$507Loan loss allowance
$0Trading account assets
$296Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$111,689Life insurance assets
$3,478All other assets
$101,823Total liabilities and capital
$100,965Total liabilities
$72,154Total deposits
$100,965Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$858Subordinated debt
$9,866All other liabilities
$9,866Total equity capital
$9,866Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$2,200Surplus
$7,366Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$631Income earned, not collected on loans
$0Earning assets
$575Long-term assets (5+ years)
$83,285Average Assets, year-to-date
$32,514Average Assets, quarterly
$99,242Volatile liabilities
$107,282Insider loans
$43,770FHLB advances
$104,650Loans and leases held for sale
$2,558Unused loan commitments
$2,558Tier 1 (core) risk-based capital
$8,491Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,502Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,842Total interest income
$330Total interest expense
$2,512Net interest income
$89Provision for loan and lease losses
$440Total noninterest income
$0Fiduciary activities
$61Service charges on deposit accounts
$0Trading account gains & fees
$379Additional noninterest income
$1,569Total noninterest expense
$985Salaries and employee benefits
$151Premises and equipment expense
$433Additional noninterest expense
$1,294Pre-tax net operating income
$22Securities gains (losses)
$85Applicable income taxes
$1,231Income before extraordinary items
$0Extraordinary gains - net
$1,231Net income attributable to bank
$0Net charge-offs
$1,231Cash dividends
$325Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.67%Yield on earning assets
0.43%Cost of funding earning assets
3.25%Net interest margin
0.57%Noninterest income to earning assets
2.03%Noninterest expense to earning assets
1.22%Net operating income to assets
1.24%Return on assets (ROA)
1.33%Pretax return on assets
13.73%Return on equity (ROE)
10.38%Retained earnings to average equity (YTD only)
1.13%Net charge-offs to loans
27.38%Credit loss provision to net charge-offs
4.26%Efficiency ratio
53,150Assets per employee
7.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
24.37%Loss allowance to loans
1.66%Loss allowance to noncurrent loans
80.35%Noncurrent assets plus other real estate owned to assets
0.56%Noncurrent loans to loans
2.06%Net loans and leases to deposits
29.82%Net loans and leases to core deposits
31.64%Equity capital to assets
8.83%Core capital (leverage) ratio
8.11%Tier 1 risk-based capital ratio
19.40%Total risk-based capital ratio
Memoranda
$21Average assets
$99,242Average earning assets
$8,967Average equity
$77,354Average loans
List of branches
1 North Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11299
The Bank Of Tioga
7 North Main Street, Tioga, ND 58852
July 16, 1952
Full Service Brick and Mortar
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