First Financial Bank in Aneta, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches


First Financial Bank - Overview

  • General
  • FDIC Certificate #: 15776
    Status: Active
    Federal Reserve ID: 887555
    Bank Holding Company (Regulatory Top Holder): First Holding Company Of Park River, Inc (RSSDID: 1140266, Location: Park River, ND)
    Date Established: January 01, 1934
    WWW: http://www.firstfinancialnd.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 10023
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: October 21, 1940
    Last Structure Change Effective Date: April 18, 2011
    Last Structure Change Process Date: June 23, 2011
    Last Data Update: June 23, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 205 Main Ave, Aneta, ND 58212
    County: Nelson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Grand Forks
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $39.6 mil
    Equity capital: $3.6 mil
    Deposits held in domestic offices: $35.4 mil
    Return on assets (ROA): 0.77% ($0.3 mil)
    Quarterly return on assets: 0.24% ($0.1 mil)
    Return on Equity (ROE): 8.66% ($0.3 mil)
    Quarterly return on equity: 2.60% ($0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.06% ($419.8 mil)
    Quarterly Pretax return on assets: 1.43% ($566.3 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
  • 10Total employees (full-time equivalent)
  • $39,603Total assets
  • $3,831Cash and due from depository institutions
  • $3,022Interest-bearing balances
  • $9,433Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $24,914Net loans & leases
  • $233Loan loss allowance
  • $0Trading account assets
  • $612Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $39,603Life insurance assets
  • $813All other assets
  • $36,001Total liabilities and capital
  • $35,449Total liabilities
  • $30,012Total deposits
  • $35,449Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 375.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $177Subordinated debt
  • $3,602All other liabilities
  • $3,602Total equity capital
  • $3,602Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $3,127Surplus
  • $425Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $587Income earned, not collected on loans
  • $0Earning assets
  • $490Long-term assets (5+ years)
  • $37,369Average Assets, year-to-date
  • $8,482Average Assets, quarterly
  • $40,029Volatile liabilities
  • $39,273Insider loans
  • $27,301FHLB advances
  • $39,118Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,529Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,484Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,946Total interest income
  • $286Total interest expense
  • $1,660Net interest income
  • $252Provision for loan and lease losses
  • $202Total noninterest income
  • $0Fiduciary activities
  • $40Service charges on deposit accounts
  • $0Trading account gains & fees
  • $162Additional noninterest income
  • $1,184Total noninterest expense
  • $596Salaries and employee benefits
  • $194Premises and equipment expense
  • $394Additional noninterest expense
  • $426Pre-tax net operating income
  • $0Securities gains (losses)
  • $116Applicable income taxes
  • $310Income before extraordinary items
  • $0Extraordinary gains - net
  • $310Net income attributable to bank
  • $0Net charge-offs
  • $310Cash dividends
  • $23Sale, conversion, retirement of capital stock, net
  • $210Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.40%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 8.66%Return on equity (ROE)
  • 2.79%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 1095.65%Credit loss provision to net charge-offs
  • 29.48%Efficiency ratio
  • 63,588Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.74%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 39.69%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 2.33%Net loans and leases to deposits
  • 70.28%Net loans and leases to core deposits
  • 71.36%Equity capital to assets
  • 9.10%Core capital (leverage) ratio
  • 9.02%Tier 1 risk-based capital ratio
  • 12.93%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $40,029Average earning assets
  • $3,580Average equity
  • $37,706Average loans

List of branches

  • 3 North Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010023First Financial Bank205 Main Ave, Aneta, ND 58212January 01, 1934Full Service Brick and Mortar
    1235264Sharon Branch312 Main Avenue, Sharon, ND 58277August 11, 1941Full Service Brick and Mortar
    3419720Cooperstown Branch406 9th Street Sw, Cooperstown, ND 58425March 03, 2003Full Service Brick and Mortar

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