First American Bank, National Association in Lisbon, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 1997

  • First American Bank, National Association in Lisbon, North Dakota (ND)
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First American Bank, National Association - Overview

  • General
  • FDIC Certificate #: 12753
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BREMER BANK, NATIONAL ASSOCIATION (#34380)
    Federal Reserve ID: 679853
    Date Established: January 01, 1910
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 12380
    FDIC's unique #: 8080
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 01, 1997
    Last Structure Change Process Date: October 20, 1997
    Last Data Update: October 20, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 Main Street, Lisbon, ND 58054
    County: Ransom
    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: $109.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $34Total assets
  • $97,033Cash and due from depository institutions
  • $5,937Interest-bearing balances
  • $0Securities
  • $32,857Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $55,617Loan loss allowance
  • $1,104Trading account assets
  • $0Bank premises and fixed assets
  • $870Other real estate owned
  • $0Goodwill and other intangibles
  • $1,752Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $97,033Total liabilities
  • $87,336Total deposits
  • $74,056Interest-bearing deposits
  • $65,566Deposits held in domestic offices
  • 74056.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $4,875Trading liabilities
  • $0Other borrowed funds
  • $7,500Subordinated debt
  • $0All other liabilities
  • $905Total equity capital
  • $905Total bank equity capital
  • $9,697Perpetual preferred stock
  • $0Common stock
  • $1,481Surplus
  • $4,522Undivided profits
  • Memoranda
  • $3,694Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $44Income earned, not collected on loans
  • $1,009Earning assets
  • $88,474Long-term assets (5+ years)
  • $20,168Average Assets, year-to-date
  • $93,113Average Assets, quarterly
  • $95,774Volatile liabilities
  • $16,396Insider loans
  • $2,108FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $10,024Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,645Total risk weighted assets
  • $67,210Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,685Total interest expense
  • $3,193Net interest income
  • $3,492Provision for loan and lease losses
  • $0Total noninterest income
  • $391Fiduciary activities
  • $0Service charges on deposit accounts
  • $256Trading account gains & fees
  • $0Additional noninterest income
  • $135Total noninterest expense
  • $2,424Salaries and employee benefits
  • $1,176Premises and equipment expense
  • $265Additional noninterest expense
  • $983Pre-tax net operating income
  • $1,459Securities gains (losses)
  • $1Applicable income taxes
  • $425Income before extraordinary items
  • $1,035Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,035Net charge-offs
  • -$16Cash dividends
  • $800Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.73%Cost of funding earning assets
  • 3.69%Net interest margin
  • 4.04%Noninterest income to earning assets
  • 0.45%Noninterest expense to earning assets
  • 2.80%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 1.57%Return on equity (ROE)
  • 10.80%Retained earnings to average equity (YTD only)
  • 2.45%Net charge-offs to loans
  • -0.03%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 62,426Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.29%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 2509.09%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 75.10%Net loans and leases to core deposits
  • 79.41%Equity capital to assets
  • 9.99%Core capital (leverage) ratio
  • 10.45%Tier 1 risk-based capital ratio
  • 14.35%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $93,113Average earning assets
  • $9,584Average equity
  • $86,425Average loans

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