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

This bank is inactive as of January 03, 1995

  • Community First National Bank of Lidgerwood in Lidgerwood, North Dakota (ND)
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Community First National Bank of Lidgerwood - Overview

  • General
  • FDIC Certificate #: 3943
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community First National Bank (#3924)
    Federal Reserve ID: 1003857
    Date Established: June 24, 1925
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    OTS Docket #: 9851
    FDIC's unique #: 2569
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 03, 1995
    Last Structure Change Process Date: January 13, 1995
    Last Data Update: January 13, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 50 Wiley Avenue, Lidgerwood, ND 58053
    County: Richland
    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
    Combined Statistical Area (CSA): Fargo-Wahpeton, ND-MN (#244)
    Core Based Statistical Area (CBSA): Wahpeton, ND-MN (#47420)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $29.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $9Total assets
  • $29,115Cash and due from depository institutions
  • $1,416Interest-bearing balances
  • $403Securities
  • $6,224Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $20,669Loan loss allowance
  • $269Trading account assets
  • $0Bank premises and fixed assets
  • $336Other real estate owned
  • $0Goodwill and other intangibles
  • $470Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $29,115Total liabilities
  • $27,052Total deposits
  • $23,903Interest-bearing deposits
  • $21,787Deposits held in domestic offices
  • 23903.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $1,540Trading liabilities
  • $0Other borrowed funds
  • $1,400Subordinated debt
  • $0All other liabilities
  • $209Total equity capital
  • $209Total bank equity capital
  • $2,063Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $1,582Undivided profits
  • Memoranda
  • $81Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12Income earned, not collected on loans
  • $328Earning assets
  • $27,296Long-term assets (5+ years)
  • $3,037Average Assets, year-to-date
  • $27,824Average Assets, quarterly
  • $28,970Volatile liabilities
  • $3,567Insider loans
  • $1,141FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,645Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,075Total risk weighted assets
  • $22,757Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,055Total interest expense
  • $771Net interest income
  • $1,284Provision for loan and lease losses
  • $17Total noninterest income
  • $150Fiduciary activities
  • $0Service charges on deposit accounts
  • $97Trading account gains & fees
  • $0Additional noninterest income
  • $53Total noninterest expense
  • $699Salaries and employee benefits
  • $303Premises and equipment expense
  • $51Additional noninterest expense
  • $345Pre-tax net operating income
  • $718Securities gains (losses)
  • $8Applicable income taxes
  • $263Income before extraordinary items
  • $463Extraordinary gains - net
  • $0Net income attributable to bank
  • $463Net charge-offs
  • $1Cash dividends
  • $522Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.82%Cost of funding earning assets
  • 2.93%Net interest margin
  • 4.89%Noninterest income to earning assets
  • 0.57%Noninterest expense to earning assets
  • 2.66%Net operating income to assets
  • 1.65%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 2.61%Return on equity (ROE)
  • 22.15%Retained earnings to average equity (YTD only)
  • -2.82%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 1700.00%Efficiency ratio
  • 48,745Assets per employee
  • 3.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 112.74%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 2241.67%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.06%Net loans and leases to deposits
  • 86.47%Net loans and leases to core deposits
  • 88.80%Equity capital to assets
  • 7.09%Core capital (leverage) ratio
  • 7.16%Tier 1 risk-based capital ratio
  • 9.12%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $27,824Average earning assets
  • $2,091Average equity
  • $26,271Average loans

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