Dakota Community Bank & Trust, National Association in city_name, state_name

Dakota Community Bank & Trust, National Association in Hebron, North Dakota (ND)
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Dakota Community Bank & Trust, National Association routing number info

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

No	ID	Name	Address	Established	Service Type
0	9987	Dakota Community Bank & Trust, National Association	609 Main Street, Hebron, ND 58638	January 01, 1940	Full Service Brick and Mortar
1	235095	Taylor Branch	123 Main Street, Taylor, ND 58656	March 11, 1940	Full Service Brick and Mortar
2	6561	Dickinson Branch (3rd Ave W)	2284 3rd Ave W, Dickinson, ND 58601	Febuary 01, 1910	Full Service Brick and Mortar
3	222029	New Leipzig Branch	111 Main Street, New Leipzig, ND 58562	May 08, 1995	Full Service Brick and Mortar
4	235096	Mandan Branch	4321 Memorial Highway, Mandan, ND 58554	November 18, 1997	Full Service Brick and Mortar
5	235097	Bismarck Branch	1727 State Street, Bismarck, ND 58501	July 29, 1999	Full Service Brick and Mortar
6	419195	Lincoln Branch	66 Santee Road, Lincoln, ND 58504	March 03, 2003	Full Service Brick and Mortar
7	420140	Glen Ullin Branch	108 South Main Avenue, Glen Ullin, ND 58631	August 11, 2003	Full Service Brick and Mortar
8	426737	Dickinson Branch	14 3rd Avenue West, Dickinson, ND 58601	March 02, 2004	Full Service Brick and Mortar
9	426818	Bowman Branch	26 North Main Street, Bowman, ND 58623	March 15, 2004	Full Service Brick and Mortar
10	444499	South Seventh Street Branch	919 South Seventh Street, Bismarck, ND 58501	August 02, 2005	Full Service Brick and Mortar
11	509258	Bismarck-Colorado Lane Branch	3124 Colorado Lane, Bismarck, ND 58503	May 13, 2010	Limited Service Mobile

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

Dakota Community Bank & Trust, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

Dakota Community Bank & Trust, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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