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

  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    09260First National Bank & Trust Co. Of W22 East Fourth Street, Williston, ND 58801Febuary 01, 1926Full Service Brick and Mortar
    1232155North Branch105 26th Street West, Williston, ND 58801April 24, 1980Full Service Brick and Mortar
    26572Ray BranchMini Mall, Main Street, Ray, ND 58849January 01, 1906Full Service Brick and Mortar
    515693Crosby BranchMain Street, Crosby, ND 58730August 01, 1977Full Service Brick and Mortar
    7241423Lignite Station BranchMain Street, Lignite, ND 58752August 02, 1971Full Service Brick and Mortar

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