Denali State Bank in Fairbanks, Alaska (AK)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Denali State Bank in Fairbanks, Alaska (AK)
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Denali State Bank - Overview

  • General
  • FDIC Certificate #: 26530
    Status: Active
    Federal Reserve ID: 571265
    Bank Holding Company (Regulatory Top Holder): Denali Bancorporation, Inc. (RSSDID: 1989241, Location: Fairbanks, AK)
    Date Established: Febuary 03, 1986
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 33232
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 03, 1986
    Last Structure Change Effective Date: Febuary 15, 2012
    Last Structure Change Process Date: Febuary 15, 2012
    Last Data Update: Febuary 15, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 119 North Cushman Street, Fairbanks, AK 99701
    County: Fairbanks North Star
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Seattle
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Fairbanks, AK (#21820)
    CBSA Metro Statistical Area: Fairbanks, AK (#21820)
  • Financial Summary
  • Total assets: $260.9 mil
    Equity capital: $22.7 mil
    Deposits held in domestic offices: $235.8 mil
    Return on assets (ROA): 0.87% ($2.3 mil)
    Quarterly return on assets: 0.77% ($2.0 mil)
    Return on Equity (ROE): 10.34% ($2.4 mil)
    Quarterly return on equity: 8.85% ($2.0 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.19% ($3,104.6 mil)
    Quarterly Pretax return on assets: 0.97% ($2,530.7 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, 2011)

  • Dollar figures in thousands
  • 81Total employees (full-time equivalent)
  • $260,894Total assets
  • $6,077Cash and due from depository institutions
  • $3,178Interest-bearing balances
  • $90,457Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $155,385Net loans & leases
  • $2,441Loan loss allowance
  • $0Trading account assets
  • $5,527Bank premises and fixed assets
  • $119Other real estate owned
  • $0Goodwill and other intangibles
  • $260,894Life insurance assets
  • $3,329All other assets
  • $238,200Total liabilities and capital
  • $235,840Total liabilities
  • $150,059Total deposits
  • $235,840Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $314Trading liabilities
  • $0Other borrowed funds
  • $2,046Subordinated debt
  • $22,694All other liabilities
  • $22,694Total equity capital
  • $22,694Total bank equity capital
  • $0Perpetual preferred stock
  • $4,404Common stock
  • $7,929Surplus
  • $10,361Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,755Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $708Income earned, not collected on loans
  • $148Earning assets
  • $1,185Long-term assets (5+ years)
  • $249,020Average Assets, year-to-date
  • $95,189Average Assets, quarterly
  • $259,751Volatile liabilities
  • $262,388Insider loans
  • $167,351FHLB advances
  • $265,640Loans and leases held for sale
  • $101Unused loan commitments
  • $101Tier 1 (core) risk-based capital
  • $21,508Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,907Restructured Loans and leases
  • $3,223Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,484Total interest income
  • $789Total interest expense
  • $10,695Net interest income
  • $480Provision for loan and lease losses
  • $2,611Total noninterest income
  • $0Fiduciary activities
  • $836Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,775Additional noninterest income
  • $9,813Total noninterest expense
  • $5,899Salaries and employee benefits
  • $1,305Premises and equipment expense
  • $2,609Additional noninterest expense
  • $3,013Pre-tax net operating income
  • $78Securities gains (losses)
  • $835Applicable income taxes
  • $2,256Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,256Net income attributable to bank
  • $0Net charge-offs
  • $2,256Cash dividends
  • $446Sale, conversion, retirement of capital stock, net
  • $700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 0.32%Cost of funding earning assets
  • 4.32%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 3.97%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 10.34%Return on equity (ROE)
  • 7.13%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 107.62%Credit loss provision to net charge-offs
  • 7.83%Efficiency ratio
  • 73,749Assets per employee
  • 3.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.03%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 344.77%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.45%Net loans and leases to deposits
  • 65.89%Net loans and leases to core deposits
  • 81.28%Equity capital to assets
  • 8.70%Core capital (leverage) ratio
  • 8.10%Tier 1 risk-based capital ratio
  • 12.85%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $259,751Average earning assets
  • $21,822Average equity
  • $247,456Average loans

List of branches

  • 5 Alaska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    033232Denali State Bank119 North Cushman Street, Fairbanks, AK 99701Febuary 03, 1986Full Service Brick and Mortar
    2259655Golden Heart Branch1989 Airport Way, Fairbanks, AK 99701July 23, 1990Full Service Brick and Mortar
    3259656Tok BranchMile 1314 Alaskan Highway, Tok, AK 99780October 02, 1995Full Service Retail
    4419707Van Horn Branch975 Van Horn Road, Fairbanks, AK 99707October 20, 2002Full Service Brick and Mortar
    5442495Chena Pump Branch470 Chena Pump Road, Fairbanks, AK 99709November 15, 2004Full Service Brick and Mortar

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