First National Bank in Hawley, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches


First National Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.fnbhawley.com
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 20Total employees (full-time equivalent)
  • $93,527Total assets
  • $14,545Cash and due from depository institutions
  • $11,015Interest-bearing balances
  • $19,465Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $55,034Net loans & leases
  • $1,382Loan loss allowance
  • $0Trading account assets
  • $1,042Bank premises and fixed assets
  • $173Other real estate owned
  • $0Goodwill and other intangibles
  • $93,527Life insurance assets
  • $3,268All other assets
  • $84,553Total liabilities and capital
  • $77,856Total liabilities
  • $65,359Total deposits
  • $77,856Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 50.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,063Trading liabilities
  • $0Other borrowed funds
  • $584Subordinated debt
  • $8,974All other liabilities
  • $8,974Total equity capital
  • $8,974Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $800Surplus
  • $8,074Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,341Income earned, not collected on loans
  • $107Earning assets
  • $803Long-term assets (5+ years)
  • $85,514Average Assets, year-to-date
  • $18,008Average Assets, quarterly
  • $87,219Volatile liabilities
  • $90,555Insider loans
  • $67,807FHLB advances
  • $89,933Loans and leases held for sale
  • $702Unused loan commitments
  • $702Tier 1 (core) risk-based capital
  • $8,567Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,665Restructured Loans and leases
  • $724Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,316Total interest income
  • $968Total interest expense
  • $3,348Net interest income
  • $140Provision for loan and lease losses
  • $381Total noninterest income
  • $0Fiduciary activities
  • $273Service charges on deposit accounts
  • $0Trading account gains & fees
  • $108Additional noninterest income
  • $2,403Total noninterest expense
  • $1,492Salaries and employee benefits
  • $203Premises and equipment expense
  • $708Additional noninterest expense
  • $1,186Pre-tax net operating income
  • $0Securities gains (losses)
  • $380Applicable income taxes
  • $806Income before extraordinary items
  • $0Extraordinary gains - net
  • $806Net income attributable to bank
  • $0Net charge-offs
  • $806Cash dividends
  • $70Sale, conversion, retirement of capital stock, net
  • $195Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.38%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 9.44%Return on equity (ROE)
  • 7.15%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 200.00%Credit loss provision to net charge-offs
  • 18.94%Efficiency ratio
  • 64,441Assets per employee
  • 4.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.19%Loss allowance to loans
  • 2.45%Loss allowance to noncurrent loans
  • 103.06%Noncurrent assets plus other real estate owned to assets
  • 1.62%Noncurrent loans to loans
  • 2.38%Net loans and leases to deposits
  • 70.69%Net loans and leases to core deposits
  • 76.31%Equity capital to assets
  • 9.60%Core capital (leverage) ratio
  • 9.53%Tier 1 risk-based capital ratio
  • 12.63%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $87,219Average earning assets
  • $8,540Average equity
  • $80,170Average loans

List of branches

  • 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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