FDIC Certificate #: 19337 Status: Active Federal Reserve ID: 751955 Bank Holding Company (Regulatory Top Holder): First Bank Holding Company, Inc. (RSSDID: 1127070, Location: Harvey, ND) Date Established: January 02, 1965 WWW:http://www.nbharvey.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) OTS Docket #: 12665 FDIC's unique #: 13148 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 02, 1965 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: 721 Lincoln Avenue, Harvey, ND 58341 County: Wells 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $46.7 mil Equity capital: $5.4 mil Deposits held in domestic offices: $40.7 mil Return on assets (ROA): 0.30% ($0.1 mil) Quarterly return on assets: -0.13% (-$0.1 mil) Return on Equity (ROE): 2.58% ($0.1 mil) Quarterly return on equity: -1.10% (-$0.1 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.30% ($140.1 mil) Quarterly Pretax return on assets: -0.13% (-$60.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$46,704Total assets
$4,960Cash and due from depository institutions
$0Interest-bearing balances
$17,449Securities
$1,000Federal funds sold & reverse repurchase agreements
$21,045Net loans & leases
$531Loan loss allowance
$0Trading account assets
$327Bank premises and fixed assets
$550Other real estate owned
$0Goodwill and other intangibles
$46,704Life insurance assets
$1,373All other assets
$41,256Total liabilities and capital
$40,699Total liabilities
$33,781Total deposits
$40,699Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$300Trading liabilities
$0Other borrowed funds
$257Subordinated debt
$5,448All other liabilities
$5,448Total equity capital
$5,448Total bank equity capital
$0Perpetual preferred stock
$450Common stock
$1,882Surplus
$3,116Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,778Income earned, not collected on loans
$2,537Earning assets
$345Long-term assets (5+ years)
$39,494Average Assets, year-to-date
$6,526Average Assets, quarterly
$46,295Volatile liabilities
$46,149Insider loans
$25,782FHLB advances
$46,593Loans and leases held for sale
$772Unused loan commitments
$772Tier 1 (core) risk-based capital
$5,293Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,802Restructured Loans and leases
$650Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,813Total interest income
$410Total interest expense
$1,403Net interest income
$205Provision for loan and lease losses
$120Total noninterest income
$0Fiduciary activities
$43Service charges on deposit accounts
$0Trading account gains & fees
$77Additional noninterest income
$1,181Total noninterest expense
$667Salaries and employee benefits
$52Premises and equipment expense
$462Additional noninterest expense
$137Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$137Income before extraordinary items
$0Extraordinary gains - net
$137Net income attributable to bank
$0Net charge-offs
$137Cash dividends
$362Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.54%Yield on earning assets
1.03%Cost of funding earning assets
3.52%Net interest margin
0.30%Noninterest income to earning assets
2.96%Noninterest expense to earning assets
0.30%Net operating income to assets
0.30%Return on assets (ROA)
0.30%Pretax return on assets
2.58%Return on equity (ROE)
2.58%Retained earnings to average equity (YTD only)
1.61%Net charge-offs to loans
56.63%Credit loss provision to net charge-offs
0.94%Efficiency ratio
77,544Assets per employee
4.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.46%Loss allowance to noncurrent loans
19.11%Noncurrent assets plus other real estate owned to assets
7.13%Noncurrent loans to loans
12.88%Net loans and leases to deposits
51.71%Net loans and leases to core deposits
53.44%Equity capital to assets
11.66%Core capital (leverage) ratio
11.36%Tier 1 risk-based capital ratio
20.53%Total risk-based capital ratio
Memoranda
$22Average assets
$46,295Average earning assets
$5,300Average equity
$39,913Average loans
List of branches
1 North Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
13148
The National Bank Of Harvey
721 Lincoln Avenue, Harvey, ND 58341
January 02, 1965
Full Service Brick and Mortar
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