Overview, Financial Summary, Detailed Financial Reports, Branches

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  • General
  • FDIC Certificate #: 34380
    Status: Active
    Federal Reserve ID: 2516327
    Bank Holding Company (Regulatory Top Holder): Otto Bremer Foundation (RSSDID: 1121340, Location: Saint Paul, MN)
    Date Established: January 13, 1997
    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: 18 (Domestic: 18, Interstate: Yes)
    FDIC's unique #: 57143
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 13, 1997
    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: 1444 45th Street, Sw, Fargo, ND 58103
    County: Cass
    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): Fargo-Moorhead, ND-MN (#2520)
    Combined Statistical Area (CSA): Fargo-Wahpeton, ND-MN (#244)
    Core Based Statistical Area (CBSA): Fargo, ND-MN (#22020)
    CBSA Metro Statistical Area: Fargo, ND-MN (#22020)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,562.1 mil
    Equity capital: $153.5 mil
    Deposits held in domestic offices: $1,223.3 mil
    Return on assets (ROA): 1.18% ($18.4 mil)
    Quarterly return on assets: 1.26% ($19.7 mil)
    Return on Equity (ROE): 12.32% ($19.0 mil)
    Quarterly return on equity: 12.85% ($19.8 mil)
    Net income: $18.1 mil
    Quarterly Net income: $4.9 mil
    Pretax return on assets: 1.75% ($27,336.0 mil)
    Quarterly Pretax return on assets: 1.88% ($29,366.7 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
  • 211Total employees (full-time equivalent)
  • $1,562,058Total assets
  • $69,015Cash and due from depository institutions
  • $14,001Interest-bearing balances
  • $227,719Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,221,156Net loans & leases
  • $18,884Loan loss allowance
  • $0Trading account assets
  • $16,938Bank premises and fixed assets
  • $370Other real estate owned
  • $2,314Goodwill and other intangibles
  • $1,562,058Life insurance assets
  • $24,546All other assets
  • $1,408,538Total liabilities and capital
  • $1,223,274Total liabilities
  • $1,002,935Total deposits
  • $1,223,274Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 125536.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $50,000Trading liabilities
  • $0Other borrowed funds
  • $9,728Subordinated debt
  • $153,520All other liabilities
  • $153,520Total equity capital
  • $153,520Total bank equity capital
  • $0Perpetual preferred stock
  • $10,328Common stock
  • $35,045Surplus
  • $108,147Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,507Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,031Income earned, not collected on loans
  • $122Earning assets
  • $10,555Long-term assets (5+ years)
  • $1,462,876Average Assets, year-to-date
  • $182,968Average Assets, quarterly
  • $1,536,364Volatile liabilities
  • $1,545,311Insider loans
  • $1,282,875FHLB advances
  • $1,544,141Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $148,905Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $271,179Restructured Loans and leases
  • $7,928Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $72,538Total interest income
  • $13,617Total interest expense
  • $58,921Net interest income
  • $4,674Provision for loan and lease losses
  • $7,632Total noninterest income
  • $0Fiduciary activities
  • $2,351Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,281Additional noninterest income
  • $35,254Total noninterest expense
  • $15,791Salaries and employee benefits
  • $2,096Premises and equipment expense
  • $17,367Additional noninterest expense
  • $26,625Pre-tax net operating income
  • $262Securities gains (losses)
  • $8,767Applicable income taxes
  • $18,120Income before extraordinary items
  • $0Extraordinary gains - net
  • $18,120Net income attributable to bank
  • $0Net charge-offs
  • $18,120Cash dividends
  • $1,964Sale, conversion, retirement of capital stock, net
  • $7,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.41%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.75%Pretax return on assets
  • 12.32%Return on equity (ROE)
  • 7.22%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 237.98%Credit loss provision to net charge-offs
  • 15.94%Efficiency ratio
  • 52,911Assets per employee
  • 7.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.39%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 144.92%Noncurrent assets plus other real estate owned to assets
  • 0.86%Noncurrent loans to loans
  • 1.05%Net loans and leases to deposits
  • 99.83%Net loans and leases to core deposits
  • 107.54%Equity capital to assets
  • 9.83%Core capital (leverage) ratio
  • 9.64%Tier 1 risk-based capital ratio
  • 11.61%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,536,364Average earning assets
  • $147,089Average equity
  • $1,463,133Average loans

List of branches

  • 3 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    7290590Moorhead Branch3131 Frontage Road South, Moorhead, MN 56560July 13, 1998Full Service Brick and Mortar
    88176Detroit Lakes Branch115 East Holmes Street, Detroit Lakes, MN 56501January 01, 1919Full Service Brick and Mortar
    9272546Perham Branch801 Market Street, Perham, MN 56573January 01, 1930Full Service Brick and Mortar
  • 15 North Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057143Bremer Bank, National Association1444 45th Street, Sw, Fargo, ND 58103January 13, 1997Full Service Brick and Mortar
    28080Lisbon Branch622 Main Street, Lisbon, ND 58054January 01, 1910Full Service Brick and Mortar
    45344Casselton Branch11 Langer Avenue N, Casselton, ND 58012January 01, 1920Full Service Brick and Mortar
    6227853Fargo Cashwise Branch1401 33rd Street S, Fargo, ND 58103December 18, 1996Full Service Retail
    129757Minot Branch20 First Street, S.W., Minot, ND 58701January 01, 1934Full Service Brick and Mortar
    14233989Max Branch214 Main Street, Max, ND 58759August 01, 1965Limited Service Facility
    15233992Dakota Square Branch925 31st Avenue Sw, Minot, ND 58701March 24, 1980Full Service Brick and Mortar
    161357Carrington Branch807 Main Street, Carrington, ND 58421January 01, 1896Full Service Brick and Mortar
    175508Minnewaukan BranchB Avenue And Main Street, Minnewaukan, ND 58351August 02, 1918Full Service Brick and Mortar
    181363Richardton Branch128 B Street N, Richardton, ND 58652April 12, 1917Full Service Brick and Mortar
    191362Rugby Branch105 Third Street, S.W., Rugby, ND 58368January 01, 1906Full Service Brick and Mortar
    20233993Marketplace Foods Branch1930 South Broadway, Minot, ND 58701December 20, 1993Full Service Retail
    222550Devils Lake Branch424 5th Street Ne, Devils Lake, ND 58301January 01, 1885Full Service Brick and Mortar
    25457001North Fargo1204 19th Avenue North, Fargo, ND 58102September 25, 2006Full Service Brick and Mortar
    26521577Bismarck Branch710 South Washington, Bismarck, ND 58504April 06, 2011Full Service Brick and Mortar
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