Dakota Community Bank & Trust, National Association in Hebron, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Dakota Community Bank & Trust, National Association in Hebron, North Dakota (ND)
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Dakota Community Bank & Trust, National Association - Overview

  • General
  • FDIC Certificate #: 15728
    Status: Active
    Federal Reserve ID: 815156
    Bank Holding Company (Regulatory Top Holder): Dakota Community Banshares, Inc. (RSSDID: 2265782, Location: Hebron, ND)
    Date Established: January 01, 1940
    WWW: http://www.dakotacommunitybank.com
    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: 12 (Domestic: 12, Interstate: No)
    FDIC's unique #: 9987
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 11, 1940
    Last Structure Change Effective Date: March 15, 2011
    Last Structure Change Process Date: July 12, 2011
    Last Data Update: July 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 609 Main Street, Hebron, ND 58638
    County: Morton
    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): Bismarck, ND (#1010)
    Core Based Statistical Area (CBSA): Bismarck, ND (#13900)
    CBSA Metro Statistical Area: Bismarck, ND (#13900)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $570.0 mil
    Equity capital: $41.6 mil
    Deposits held in domestic offices: $501.0 mil
    Return on assets (ROA): 1.79% ($10.2 mil)
    Quarterly return on assets: 2.06% ($11.7 mil)
    Return on Equity (ROE): 24.67% ($10.4 mil)
    Quarterly return on equity: 28.28% ($11.9 mil)
    Net income: $9.1 mil
    Quarterly Net income: $2.8 mil
    Pretax return on assets: 1.91% ($10,887.1 mil)
    Quarterly Pretax return on assets: 2.22% ($12,654.1 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
  • 172Total employees (full-time equivalent)
  • $570,006Total assets
  • $53,986Cash and due from depository institutions
  • $31,978Interest-bearing balances
  • $123,165Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $369,061Net loans & leases
  • $5,408Loan loss allowance
  • $0Trading account assets
  • $9,532Bank premises and fixed assets
  • $1,094Other real estate owned
  • $353Goodwill and other intangibles
  • $570,006Life insurance assets
  • $12,815All other assets
  • $528,365Total liabilities and capital
  • $500,999Total liabilities
  • $413,658Total deposits
  • $500,999Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 15963.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $5,403Subordinated debt
  • $41,641All other liabilities
  • $41,641Total equity capital
  • $41,641Total bank equity capital
  • $0Perpetual preferred stock
  • $170Common stock
  • $12,330Surplus
  • $29,141Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $10,353Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,535Income earned, not collected on loans
  • $0Earning assets
  • $5,058Long-term assets (5+ years)
  • $524,204Average Assets, year-to-date
  • $110,703Average Assets, quarterly
  • $510,434Volatile liabilities
  • $550,787Insider loans
  • $385,498FHLB advances
  • $549,922Loans and leases held for sale
  • $5,266Unused loan commitments
  • $1,073Tier 1 (core) risk-based capital
  • $39,868Tier 2 risk-based capital
  • $2,321Total risk weighted assets
  • $1,872Total unused commitments
  • $69,616Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,249Total interest income
  • $4,432Total interest expense
  • $19,817Net interest income
  • $795Provision for loan and lease losses
  • $5,759Total noninterest income
  • $54Fiduciary activities
  • $1,019Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,686Additional noninterest income
  • $15,026Total noninterest expense
  • $9,977Salaries and employee benefits
  • $1,552Premises and equipment expense
  • $3,497Additional noninterest expense
  • $9,755Pre-tax net operating income
  • $0Securities gains (losses)
  • $618Applicable income taxes
  • $9,137Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,137Net income attributable to bank
  • $0Net charge-offs
  • $9,137Cash dividends
  • $297Sale, conversion, retirement of capital stock, net
  • $5,185Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 4.23%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • 1.79%Net operating income to assets
  • 1.79%Return on assets (ROA)
  • 1.91%Pretax return on assets
  • 24.67%Return on equity (ROE)
  • 10.67%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 267.68%Credit loss provision to net charge-offs
  • 35.52%Efficiency ratio
  • 58,614Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.75%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 119.25%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 73.67%Net loans and leases to core deposits
  • 84.01%Equity capital to assets
  • 7.31%Core capital (leverage) ratio
  • 7.25%Tier 1 risk-based capital ratio
  • 10.34%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $510,434Average earning assets
  • $37,043Average equity
  • $468,350Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $17,942Managed Assets
  • 1Number of Accounts
  • $17,711Personal trust and agency accounts
  • $9,435Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,678Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $5,598Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 74Number of Accounts
  • $0Personal trust and agency accounts
  • $2,678Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $231Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $231Fiduciary accounts held in foreign offices

List of branches

  • 12 North Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09987Dakota Community Bank & Trust, National Association609 Main Street, Hebron, ND 58638January 01, 1940Full Service Brick and Mortar
    1235095Taylor Branch123 Main Street, Taylor, ND 58656March 11, 1940Full Service Brick and Mortar
    26561Dickinson Branch (3rd Ave W)2284 3rd Ave W, Dickinson, ND 58601Febuary 01, 1910Full Service Brick and Mortar
    3222029New Leipzig Branch111 Main Street, New Leipzig, ND 58562May 08, 1995Full Service Brick and Mortar
    4235096Mandan Branch4321 Memorial Highway, Mandan, ND 58554November 18, 1997Full Service Brick and Mortar
    5235097Bismarck Branch1727 State Street, Bismarck, ND 58501July 29, 1999Full Service Brick and Mortar
    6419195Lincoln Branch66 Santee Road, Lincoln, ND 58504March 03, 2003Full Service Brick and Mortar
    7420140Glen Ullin Branch108 South Main Avenue, Glen Ullin, ND 58631August 11, 2003Full Service Brick and Mortar
    8426737Dickinson Branch14 3rd Avenue West, Dickinson, ND 58601March 02, 2004Full Service Brick and Mortar
    9426818Bowman Branch26 North Main Street, Bowman, ND 58623March 15, 2004Full Service Brick and Mortar
    10444499South Seventh Street Branch919 South Seventh Street, Bismarck, ND 58501August 02, 2005Full Service Brick and Mortar
    11509258Bismarck-Colorado Lane Branch3124 Colorado Lane, Bismarck, ND 58503May 13, 2010Limited Service Mobile

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