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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