Dacotah Bank - Valley City in Valley City, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2005

  • Dacotah Bank - Valley City in Valley City, North Dakota (ND)
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Dacotah Bank - Valley City - Overview

  • General
  • FDIC Certificate #: 8945
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Dacotah Bank (#17437)
    Federal Reserve ID: 986850
    Date Established: May 04, 1909
    WWW: http://www.dacotahbank.com
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 5712
    Numeric code: 13
    Regulator: FED
    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: April 01, 2005
    Last Structure Change Process Date: April 11, 2005
    Last Data Update: April 11, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 240 Third Street, Northwest, Valley City, ND 58072
    County: Barnes
    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
  • Financial Summary
  • Total assets: $94.7 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, 2004)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $97,545Total assets
  • $4,760Cash and due from depository institutions
  • $33Interest-bearing balances
  • $20,713Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,198Net loans & leases
  • $2,047Loan loss allowance
  • $0Trading account assets
  • $1,156Bank premises and fixed assets
  • $0Other real estate owned
  • $3,553Goodwill and other intangibles
  • $0Life insurance assets
  • $3,165All other assets
  • $97,545Total liabilities and capital
  • $83,945Total liabilities
  • $79,607Total deposits
  • $64,153Interest-bearing deposits
  • $79,607Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,350Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,400Other borrowed funds
  • $0Subordinated debt
  • $588All other liabilities
  • $13,600Total equity capital
  • $13,600Total bank equity capital
  • $13,600Perpetual preferred stock
  • $0Common stock
  • $410Surplus
  • $11,434Undivided profits
  • Memoranda
  • $1,756Noncurrent loans and leases
  • $10,972Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $401Earning assets
  • $0Long-term assets (5+ years)
  • $1,270Average Assets, year-to-date
  • $84,944Average Assets, quarterly
  • $7,576Volatile liabilities
  • $96,667Insider loans
  • $98,342FHLB advances
  • $11,406Loans and leases held for sale
  • $22Unused loan commitments
  • $2,400Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,972Total unused commitments
  • $0Restructured Loans and leases
  • $853Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $5,005Total interest income
  • $1,340Total interest expense
  • $3,665Net interest income
  • $15Provision for loan and lease losses
  • $760Total noninterest income
  • $0Fiduciary activities
  • $274Service charges on deposit accounts
  • $0Trading account gains & fees
  • $486Additional noninterest income
  • $2,558Total noninterest expense
  • $1,519Salaries and employee benefits
  • $216Premises and equipment expense
  • $823Additional noninterest expense
  • $1,852Pre-tax net operating income
  • -$1Securities gains (losses)
  • $780Applicable income taxes
  • $1,071Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,071Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$22Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.84%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 4.28%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.91%Pretax return on assets
  • 8.11%Return on equity (ROE)
  • 6.60%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -68.18%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 54,554Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.67%Loss allowance to loans
  • 3.09%Loss allowance to noncurrent loans
  • 510.47%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.61%Net loans and leases to deposits
  • 80.64%Net loans and leases to core deposits
  • 89.22%Equity capital to assets
  • 13.94%Core capital (leverage) ratio
  • 10.78%Tier 1 risk-based capital ratio
  • 14.98%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $96,667Average earning assets
  • $13,199Average equity
  • $85,676Average loans

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