First Capital Bank of North Dakota in West Fargo, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 02, 2001

First Capital Bank of North Dakota in West Fargo, North Dakota (ND)
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First Capital Bank of North Dakota - Overview

General
FDIC Certificate #: 15888
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Choice Financial Group (#9423)
Federal Reserve ID: 661250
Date Established: January 01, 1902
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 10124
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: April 20, 1942
Last Structure Change Effective Date: November 02, 2001
Last Structure Change Process Date: November 15, 2001
Last Data Update: November 15, 2001
Data Source Date: April 05, 2012
Location
Address: 210 Sheyenne Street, West Fargo, ND 58078
County: Cass
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): Fargo-Moorhead, ND-MN (#2520)
Combined Statistical Area (CSA): Fargo-Wahpeton, ND-MN (#244)
Core Based Statistical Area (CBSA): Fargo, ND-MN (#22020)
CBSA Metro Statistical Area: Fargo, ND-MN (#22020)
Financial Summary
Total assets: $19.6 mil

1992 - 1999 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, 2000)

Dollar figures in thousands
10Total employees (full-time equivalent)
$22,830Total assets
$3,998Cash and due from depository institutions
$0Interest-bearing balances
$6,839Securities
$0Federal funds sold & reverse repurchase agreements
$11,354Net loans & leases
$259Loan loss allowance
$0Trading account assets
$148Bank premises and fixed assets
$0Other real estate owned
$60Goodwill and other intangibles
$0Life insurance assets
$431All other assets
$22,830Total liabilities and capital
$20,515Total liabilities
$14,075Total deposits
$11,406Interest-bearing deposits
$14,075Deposits held in domestic offices
0.00%% insured (estimated)
$5,400Federal funds purchased & repurchase agreements
$0Trading liabilities
$700Other borrowed funds
$0Subordinated debt
$340All other liabilities
$2,315Total equity capital
$2,315Total bank equity capital
$2,315Perpetual preferred stock
$0Common stock
$150Surplus
$2,226Undivided profits
Memoranda
$-61Noncurrent loans and leases
$1,708Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$969Earning assets
$141Long-term assets (5+ years)
$314Average Assets, year-to-date
$18,193Average Assets, quarterly
$3,293Volatile liabilities
$18,575Insider loans
$20,997FHLB advances
$6,606Loans and leases held for sale
$550Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,708Total unused commitments
$191Restructured Loans and leases
$177Derivatives

Income and Expense (December 31, 2000)

Dollar figures in thousands
$1,412Total interest income
$749Total interest expense
$663Net interest income
$18Provision for loan and lease losses
$58Total noninterest income
$0Fiduciary activities
$44Service charges on deposit accounts
$0Trading account gains & fees
$14Additional noninterest income
$643Total noninterest expense
$330Salaries and employee benefits
$124Premises and equipment expense
$189Additional noninterest expense
$60Pre-tax net operating income
$0Securities gains (losses)
$32Applicable income taxes
$28Income before extraordinary items
$0Extraordinary gains - net
$28Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$4Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2000)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.45%Yield on earning assets
4.48%Cost of funding earning assets
3.97%Net interest margin
0.35%Noninterest income to earning assets
3.85%Noninterest expense to earning assets
0.15%Net operating income to assets
0.15%Return on assets (ROA)
0.32%Pretax return on assets
1.27%Return on equity (ROE)
1.27%Retained earnings to average equity (YTD only)
-0.04%Net charge-offs to loans
-450.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
88,627Assets per employee
2.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.23%Loss allowance to noncurrent loans
26.73%Noncurrent assets plus other real estate owned to assets
4.24%Noncurrent loans to loans
8.34%Net loans and leases to deposits
80.67%Net loans and leases to core deposits
83.68%Equity capital to assets
10.14%Core capital (leverage) ratio
11.64%Tier 1 risk-based capital ratio
15.99%Total risk-based capital ratio
Memoranda
$17Average assets
$18,575Average earning assets
$2,200Average equity
$16,706Average loans

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