FDIC Certificate #: 5196 Status: Active Federal Reserve ID: 988256 Date Established: August 22, 1889 WWW:http://www.fnbmcintosh.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 3485 Numeric code: 3 Regulator: OCC 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: No 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: 260 Cleveland Ave. Sw, Mcintosh, MN 56556 County: Polk 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 Metropolitan Statistical Area (MSA): Grand Forks, ND-MN (#2985) Core Based Statistical Area (CBSA): Grand Forks, ND-MN (#24220) CBSA Metro Statistical Area: Grand Forks, ND-MN (#24220)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $26.0 mil Equity capital: $6.6 mil Deposits held in domestic offices: $19.3 mil Return on assets (ROA): 0.50% ($0.1 mil) Quarterly return on assets: 0.65% ($0.2 mil) Return on Equity (ROE): 1.90% ($0.1 mil) Quarterly return on equity: 2.47% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.50% ($129.9 mil) Quarterly Pretax return on assets: 0.65% ($168.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$25,979Total assets
$10,889Cash and due from depository institutions
$9,058Interest-bearing balances
$4,772Securities
$830Federal funds sold & reverse repurchase agreements
$9,257Net loans & leases
$241Loan loss allowance
$0Trading account assets
$62Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$25,979Life insurance assets
$169All other assets
$19,332Total liabilities and capital
$19,283Total liabilities
$15,725Total deposits
$19,283Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$49Subordinated debt
$6,647All other liabilities
$6,647Total equity capital
$6,647Total bank equity capital
$0Perpetual preferred stock
$39Common stock
$150Surplus
$6,458Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$165Income earned, not collected on loans
$0Earning assets
$138Long-term assets (5+ years)
$23,917Average Assets, year-to-date
$1,086Average Assets, quarterly
$25,280Volatile liabilities
$25,324Insider loans
$10,634FHLB advances
$25,054Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,647Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,317Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$662Total interest income
$156Total interest expense
$506Net interest income
$0Provision for loan and lease losses
$92Total noninterest income
$0Fiduciary activities
$26Service charges on deposit accounts
$0Trading account gains & fees
$66Additional noninterest income
$472Total noninterest expense
$263Salaries and employee benefits
$32Premises and equipment expense
$177Additional noninterest expense
$126Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$126Income before extraordinary items
$0Extraordinary gains - net
$126Net income attributable to bank
$0Net charge-offs
$126Cash dividends
$51Sale, conversion, retirement of capital stock, net
$98Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.77%Yield on earning assets
0.65%Cost of funding earning assets
2.12%Net interest margin
0.39%Noninterest income to earning assets
1.98%Noninterest expense to earning assets
0.50%Net operating income to assets
0.50%Return on assets (ROA)
0.50%Pretax return on assets
1.90%Return on equity (ROE)
0.42%Retained earnings to average equity (YTD only)
0.56%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
2.47%Efficiency ratio
78,930Assets per employee
5.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
77.78%Loss allowance to loans
2.54%Loss allowance to noncurrent loans
146.06%Noncurrent assets plus other real estate owned to assets
0.64%Noncurrent loans to loans
1.74%Net loans and leases to deposits
48.01%Net loans and leases to core deposits
50.89%Equity capital to assets
25.59%Core capital (leverage) ratio
26.53%Tier 1 risk-based capital ratio
62.51%Total risk-based capital ratio
Memoranda
$64Average assets
$25,280Average earning assets
$6,623Average equity
$23,871Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3485
The First National Bank Of Mcintosh
260 Cleveland Ave. Sw, Mcintosh, MN 56556
August 22, 1889
Full Service Brick and Mortar
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