Community First National Bank in Dickinson, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1997

Community First National Bank in Dickinson, North Dakota (ND)
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Community First National Bank - Overview

General
FDIC Certificate #: 3915
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Community First National Bank (#3924)
Federal Reserve ID: 836058
Date Established: January 01, 1886
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Interstate: No)
OTS Docket #: 9817
FDIC's unique #: 2552
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 01, 1997
Last Structure Change Process Date: January 16, 1997
Last Data Update: January 16, 1997
Data Source Date: April 05, 2012
Location
Address: 150 West Villard Street, Dickinson, ND 58601
County: Stark
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
Core Based Statistical Area (CBSA): Dickinson, ND (#19860)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $145.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$50Total assets
$145,669Cash and due from depository institutions
$4,004Interest-bearing balances
$22Securities
$35,418Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$99,474Loan loss allowance
$1,312Trading account assets
$0Bank premises and fixed assets
$2,031Other real estate owned
$0Goodwill and other intangibles
$3,751Life insurance assets
$991All other assets
$0Total liabilities and capital
$145,669Total liabilities
$134,476Total deposits
$113,183Interest-bearing deposits
$100,891Deposits held in domestic offices
113183.00%% insured (estimated)
$85Federal funds purchased & repurchase agreements
$10,703Trading liabilities
$0Other borrowed funds
$9,000Subordinated debt
$0All other liabilities
$1,590Total equity capital
$1,590Total bank equity capital
$11,193Perpetual preferred stock
$0Common stock
$2,500Surplus
$5,536Undivided profits
Memoranda
$3,157Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$290Income earned, not collected on loans
$1,048Earning assets
$134,914Long-term assets (5+ years)
$26,344Average Assets, year-to-date
$142,109Average Assets, quarterly
$146,169Volatile liabilities
$34,819Insider loans
$81FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$7,550Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$10,106Total risk weighted assets
$109,398Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$10,737Total interest expense
$4,854Net interest income
$5,883Provision for loan and lease losses
$559Total noninterest income
$958Fiduciary activities
$366Service charges on deposit accounts
$351Trading account gains & fees
$0Additional noninterest income
$241Total noninterest expense
$3,609Salaries and employee benefits
$1,458Premises and equipment expense
$470Additional noninterest expense
$1,681Pre-tax net operating income
$2,673Securities gains (losses)
$17Applicable income taxes
$948Income before extraordinary items
$1,742Extraordinary gains - net
$0Net income attributable to bank
$1,742Net charge-offs
$131Cash dividends
$825Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.14%Cost of funding earning assets
3.68%Net interest margin
4.46%Noninterest income to earning assets
0.73%Noninterest expense to earning assets
2.74%Net operating income to assets
1.22%Return on assets (ROA)
1.23%Pretax return on assets
1.89%Return on equity (ROE)
16.47%Retained earnings to average equity (YTD only)
8.67%Net charge-offs to loans
0.14%Credit loss provision to net charge-offs
426.72%Efficiency ratio
51,747Assets per employee
2.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.36%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
452.41%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.29%Net loans and leases to deposits
87.89%Net loans and leases to core deposits
101.43%Equity capital to assets
7.68%Core capital (leverage) ratio
6.68%Tier 1 risk-based capital ratio
9.24%Total risk-based capital ratio
Memoranda
$10Average assets
$142,109Average earning assets
$10,579Average equity
$131,890Average loans

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