Denali State Bank in Fairbanks, Alaska (AK)

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Denali State Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)81
Total assets$260,894
Cash and due from depository institutions$6,077
Interest-bearing balances$3,178
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$155,385
Loan loss allowance $2,441
Trading account assets$0
Bank premises and fixed assets$5,527
Other real estate owned$119
Goodwill and other intangibles$0
All other assets$3,329
Life insurance assets$260,894
Total liabilities and capital$238,200
Total liabilities$235,840
Total deposits$150,059
Interest-bearing deposits$235,840
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$314
Other borrowed funds $0
Subordinated debt $2,046
All other liabilities $22,694
Total equity capital$22,694
Total bank equity capital$22,694
Perpetual preferred stock$0
Common stock$4,404
Undivided profits $10,361
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,755
Income earned, not collected on loans $708
Earning assets $148
Long-term assets (5+ years) $1,185
Average Assets, year-to-date $249,020
Average Assets, quarterly $95,189
Volatile liabilities $259,751
Insider loans $262,388
FHLB advances $167,351
Loans and leases held for sale $265,640
Unused loan commitments $101
Tier 1 (core) risk-based capital $101
Tier 2 risk-based capital $21,508
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,907
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,484
Total interest expense $789
Net interest income $10,695
Provision for loan and lease losses $480
Total noninterest income $2,611
Fiduciary activities $0
Service charges on deposit accounts $836
Trading account gains & fees $0
Additional noninterest income $1,775
Total noninterest expense $9,813
Salaries and employee benefits $5,899
Premises and equipment expense $1,305
Additional noninterest expense $2,609
Pre-tax net operating income $3,013
Securities gains (losses) $78
Applicable income taxes $835
Income before extraordinary items $2,256
Extraordinary gains - net $0
Net income attributable to bank $2,256
Net charge-offs $0
Cash dividends $2,256
Sale, conversion, retirement of capital stock, net $446
Net operating income $700
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.64%
Cost of funding earning assets 0.32%
Net interest margin 4.32%
Noninterest income to earning assets 1.06%
Noninterest expense to earning assets 3.97%
Net operating income to assets 0.85%
Return on assets (ROA) 0.87%
Pretax return on assets 1.19%
Return on equity (ROE) 10.34%
Retained earnings to average equity (YTD only) 7.13%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 107.62%
Efficiency ratio7.83%
Assets per employee$73,749
Cash dividends to net income (YTD only)3.22%
Condition Ratios (%)
Loss allowance to loans 31.03%
Loss allowance to noncurrent loans 1.55%
Noncurrent assets plus other real estate owned to assets 344.77%
Noncurrent loans to loans 0.32%
Net loans and leases to deposits0.45%
Net loans and leases to core deposits 65.89%
Equity capital to assets 81.28%
Core capital (leverage) ratio 8.70%
Tier 1 risk-based capital ratio 8.10%
Total risk-based capital ratio 12.85%
Average assets$14
Average earning assets$259,751
Average equity $21,822
Average loans $247,456
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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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