United Bank of Bismarck in Bismarck, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 09, 1994

United Bank of Bismarck in Bismarck, North Dakota (ND)
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United Bank of Bismarck - Overview

General
FDIC Certificate #: 8948
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Bank of North Dakota, National Association (#3925)
Federal Reserve ID: 891459
Date Established: January 02, 1908
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
FDIC's unique #: 5714
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: September 09, 1994
Last Structure Change Process Date: September 16, 1994
Last Data Update: September 16, 1994
Data Source Date: April 05, 2012
Location
Address: 225 North Seventh Street, Bismarck, ND 58501
County: Burleigh
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
Metropolitan Statistical Area (MSA): Bismarck, ND (#1010)
Core Based Statistical Area (CBSA): Bismarck, ND (#13900)
CBSA Metro Statistical Area: Bismarck, ND (#13900)
Financial Summary
Total assets: $122.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$48Total assets
$127,374Cash and due from depository institutions
$3,763Interest-bearing balances
$0Securities
$30,849Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$88,796Loan loss allowance
$840Trading account assets
$0Bank premises and fixed assets
$2,722Other real estate owned
$126Goodwill and other intangibles
$1,118Life insurance assets
$0All other assets
$0Total liabilities and capital
$127,374Total liabilities
$113,388Total deposits
$108,051Interest-bearing deposits
$89,019Deposits held in domestic offices
108051.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$2,295Trading liabilities
$0Other borrowed funds
$1,445Subordinated debt
$0All other liabilities
$1,597Total equity capital
$1,597Total bank equity capital
$13,986Perpetual preferred stock
$0Common stock
$3,840Surplus
$4,314Undivided profits
Memoranda
$5,832Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$124Income earned, not collected on loans
$614Earning assets
$119,645Long-term assets (5+ years)
$33,342Average Assets, year-to-date
$122,163Average Assets, quarterly
$124,933Volatile liabilities
$8,784Insider loans
$2,750FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$14,118Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$13,986Total risk weighted assets
$72,719Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$9,479Total interest expense
$3,176Net interest income
$6,303Provision for loan and lease losses
$55Total noninterest income
$1,337Fiduciary activities
$6Service charges on deposit accounts
$317Trading account gains & fees
$3Additional noninterest income
$1,011Total noninterest expense
$3,345Salaries and employee benefits
$1,990Premises and equipment expense
$239Additional noninterest expense
$1,116Pre-tax net operating income
$4,240Securities gains (losses)
$167Applicable income taxes
$1,557Income before extraordinary items
$2,850Extraordinary gains - net
$0Net income attributable to bank
$2,850Net charge-offs
-$26Cash dividends
$288Sale, 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
8.23%Cost of funding earning assets
2.76%Net interest margin
5.47%Noninterest income to earning assets
1.16%Noninterest expense to earning assets
2.90%Net operating income to assets
2.24%Return on assets (ROA)
2.33%Pretax return on assets
3.61%Return on equity (ROE)
22.06%Retained earnings to average equity (YTD only)
19.83%Net charge-offs to loans
-0.03%Credit loss provision to net charge-offs
-211.54%Efficiency ratio
43,783Assets per employee
2.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
10.11%Loss allowance to loans
0.94%Loss allowance to noncurrent loans
677.42%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.14%Net loans and leases to deposits
82.18%Net loans and leases to core deposits
86.20%Equity capital to assets
10.98%Core capital (leverage) ratio
11.02%Tier 1 risk-based capital ratio
19.23%Total risk-based capital ratio
Memoranda
$20Average assets
$122,163Average earning assets
$12,917Average equity
$115,197Average loans

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