First National Bank & Trust Co. of Williston in city_name, state_name

First National Bank & Trust Co. of Williston in Williston, North Dakota (ND)
Show street view No street view available for this location

First National Bank & Trust Co. of Williston routing number info

Other nearby banks
American State Bank & Trust Company of Williston
McKenzie County Bank
First International Bank & Trust
The Bank of Tioga
Liberty State Bank
Lakeside State Bank

First National Bank & Trust Co. of Williston - Overview

General
FDIC Certificate #: 14801
Status: Active
Federal Reserve ID: 248455
Bank Holding Company (Regulatory Top Holder): Jorgenson Williston Holding Company (RSSDID: 4237998, Location: Kenmare, ND)
Date Established: Febuary 01, 1926
WWW: http://www.fnbt.us
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 9260
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: November 02, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 22 East Fourth Street, Williston, ND 58801
County: Williams
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
Core Based Statistical Area (CBSA): Williston, ND (#48780)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $352.6 mil
Equity capital: $27.0 mil
Deposits held in domestic offices: $315.4 mil
Return on assets (ROA): 1.48% ($5.2 mil)
Quarterly return on assets: 1.58% ($5.6 mil)
Return on Equity (ROE): 18.28% ($4.9 mil)
Quarterly return on equity: 20.10% ($5.4 mil)
Net income: $4.6 mil
Quarterly Net income: $1.3 mil
Pretax return on assets: 1.56% ($5,499.9 mil)
Quarterly Pretax return on assets: 1.71% ($6,028.7 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
54Total employees (full-time equivalent)
$352,555Total assets
$80,632Cash and due from depository institutions
$61,729Interest-bearing balances
$116,649Securities
$0Federal funds sold & reverse repurchase agreements
$146,483Net loans & leases
$1,922Loan loss allowance
$0Trading account assets
$2,151Bank premises and fixed assets
$1,103Other real estate owned
$2,057Goodwill and other intangibles
$352,555Life insurance assets
$3,480All other assets
$325,587Total liabilities and capital
$315,359Total liabilities
$225,335Total deposits
$315,359Interest-bearing deposits
$83Deposits held in domestic offices
7291.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$937Subordinated debt
$26,968All other liabilities
$26,968Total equity capital
$26,968Total bank equity capital
$0Perpetual preferred stock
$6,600Common stock
$8,965Surplus
$11,403Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$787Income earned, not collected on loans
$0Earning assets
$1,598Long-term assets (5+ years)
$324,861Average Assets, year-to-date
$48,549Average Assets, quarterly
$312,534Volatile liabilities
$336,662Insider loans
$185,466FHLB advances
$336,746Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$23,645Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$32,636Restructured Loans and leases
$85Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,430Total interest income
$1,420Total interest expense
$9,010Net interest income
$800Provision for loan and lease losses
$1,932Total noninterest income
$1,248Fiduciary activities
$163Service charges on deposit accounts
$0Trading account gains & fees
$521Additional noninterest income
$5,281Total noninterest expense
$3,330Salaries and employee benefits
$551Premises and equipment expense
$1,400Additional noninterest expense
$4,861Pre-tax net operating income
$0Securities gains (losses)
$251Applicable income taxes
$4,610Income before extraordinary items
$0Extraordinary gains - net
$4,610Net income attributable to bank
$0Net charge-offs
$4,610Cash dividends
$617Sale, conversion, retirement of capital stock, net
$1,727Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.60%Yield on earning assets
0.49%Cost of funding earning assets
3.11%Net interest margin
0.67%Noninterest income to earning assets
1.82%Noninterest expense to earning assets
1.48%Net operating income to assets
1.48%Return on assets (ROA)
1.56%Pretax return on assets
18.28%Return on equity (ROE)
11.43%Retained earnings to average equity (YTD only)
0.44%Net charge-offs to loans
129.66%Credit loss provision to net charge-offs
9.18%Efficiency ratio
48,264Assets per employee
6.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.46%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
244.22%Noncurrent assets plus other real estate owned to assets
0.54%Noncurrent loans to loans
0.53%Net loans and leases to deposits
46.45%Net loans and leases to core deposits
47.90%Equity capital to assets
7.65%Core capital (leverage) ratio
7.02%Tier 1 risk-based capital ratio
12.75%Total risk-based capital ratio
Memoranda
$14Average assets
$312,534Average earning assets
$25,219Average equity
$289,719Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$113,501Managed Assets
1Number of Accounts
$109,185Personal trust and agency accounts
$59,430Employee benefit-defined contribution accounts
$17,876Employee benefit-defined benefit accounts
$0Other retirement accounts
$15,723Corporate trust and agency accounts
$0Investment management agency accounts
$16,156Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
606Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$4,316Other retirement accounts
$0Corporate trust and agency accounts
$3,877Other fiduciary accounts
$422Fiduciary accounts held in foreign offices

List of branches

5 North Dakota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9260	First National Bank & Trust Co. Of W	22 East Fourth Street, Williston, ND 58801	Febuary 01, 1926	Full Service Brick and Mortar
1	232155	North Branch	105 26th Street West, Williston, ND 58801	April 24, 1980	Full Service Brick and Mortar
2	6572	Ray Branch	Mini Mall, Main Street, Ray, ND 58849	January 01, 1906	Full Service Brick and Mortar
5	15693	Crosby Branch	Main Street, Crosby, ND 58730	August 01, 1977	Full Service Brick and Mortar
7	241423	Lignite Station Branch	Main Street, Lignite, ND 58752	August 02, 1971	Full Service Brick and Mortar

First National Bank & Trust Co. of Williston in Williston, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank & Trust Co. of Williston - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank & Trust Co. of Williston in Williston, North Dakota (ND)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank & Trust Co. of Williston - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank & Trust Co. of Williston in Williston, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches