First National Bank in Hawley, Minnesota (MN)

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First National Bank
GeneralFDIC Certificate #: 5161
Status: Active
Federal Reserve ID: 22954
Bank Holding Company (Regulatory Top Holder): First Hawley Bancshares, Inc. (RSSDID: 1137387, Location: Hawley, MN)
Date Established: January 01, 1905
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 9610
FDIC's unique #: 3456
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 1018 Hobart Street, Hawley, MN 56549
County: Clay
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 SummaryTotal assets: $93.5 mil
Equity capital: $9.0 mil
Deposits held in domestic offices: $77.9 mil
Return on assets (ROA): 0.92% ($0.9 mil)
Quarterly return on assets: 0.55% ($0.5 mil)
Return on Equity (ROE): 9.44% ($0.8 mil)
Quarterly return on equity: 5.56% ($0.5 mil)
Net income: $0.8 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.36% ($1,272.0 mil)
Quarterly Pretax return on assets: 1.38% ($1,290.7 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)20
Total assets$93,527
Cash and due from depository institutions$14,545
Interest-bearing balances$11,015
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$55,034
Loan loss allowance $1,382
Trading account assets$0
Bank premises and fixed assets$1,042
Other real estate owned$173
Goodwill and other intangibles$0
All other assets$3,268
Life insurance assets$93,527
Total liabilities and capital$84,553
Total liabilities$77,856
Total deposits$65,359
Interest-bearing deposits$77,856
Deposits held in domestic offices$90
% insured (estimated)50.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,063
Other borrowed funds $0
Subordinated debt $584
All other liabilities $8,974
Total equity capital$8,974
Total bank equity capital$8,974
Perpetual preferred stock$0
Common stock$100
Undivided profits $8,074
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,341
Earning assets $107
Long-term assets (5+ years) $803
Average Assets, year-to-date $85,514
Average Assets, quarterly $18,008
Volatile liabilities $87,219
Insider loans $90,555
FHLB advances $67,807
Loans and leases held for sale $89,933
Unused loan commitments $702
Tier 1 (core) risk-based capital $702
Tier 2 risk-based capital $8,567
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,665
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,316
Total interest expense $968
Net interest income $3,348
Provision for loan and lease losses $140
Total noninterest income $381
Fiduciary activities $0
Service charges on deposit accounts $273
Trading account gains & fees $0
Additional noninterest income $108
Total noninterest expense $2,403
Salaries and employee benefits $1,492
Premises and equipment expense $203
Additional noninterest expense $708
Pre-tax net operating income $1,186
Securities gains (losses) $0
Applicable income taxes $380
Income before extraordinary items $806
Extraordinary gains - net $0
Net income attributable to bank $806
Net charge-offs $0
Cash dividends $806
Sale, conversion, retirement of capital stock, net $70
Net operating income $195
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.38%
Cost of funding earning assets 1.21%
Net interest margin 4.18%
Noninterest income to earning assets 0.48%
Noninterest expense to earning assets 3.00%
Net operating income to assets 0.92%
Return on assets (ROA) 0.92%
Pretax return on assets 1.36%
Return on equity (ROE) 9.44%
Retained earnings to average equity (YTD only) 7.15%
Net charge-offs to loans 0.13%
Credit loss provision to net charge-offs 200.00%
Efficiency ratio18.94%
Assets per employee$64,441
Cash dividends to net income (YTD only)4.68%
Condition Ratios (%)
Loss allowance to loans 24.19%
Loss allowance to noncurrent loans 2.45%
Noncurrent assets plus other real estate owned to assets 103.06%
Noncurrent loans to loans 1.62%
Net loans and leases to deposits2.38%
Net loans and leases to core deposits 70.69%
Equity capital to assets 76.31%
Core capital (leverage) ratio 9.60%
Tier 1 risk-based capital ratio 9.53%
Total risk-based capital ratio 12.63%
Average assets$14
Average earning assets$87,219
Average equity $8,540
Average loans $80,170
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2 Minnesota Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03456First National Bank1018 Hobart Street, Hawley, MN 56549January 01, 1905Full Service Brick and Mortar
1207269Dilworth Branch101 Center Avenue East, Dilworth, MN 56529November 07, 1994Full Service Brick and Mortar
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