First National Bank & Trust Co. of Williston in Williston, North Dakota (ND)

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

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First National Bank & Trust Co. of Williston
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)54
Total assets$352,555
Cash and due from depository institutions$80,632
Interest-bearing balances$61,729
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$146,483
Loan loss allowance $1,922
Trading account assets$0
Bank premises and fixed assets$2,151
Other real estate owned$1,103
Goodwill and other intangibles$2,057
All other assets$3,480
Life insurance assets$352,555
Total liabilities and capital$325,587
Total liabilities$315,359
Total deposits$225,335
Interest-bearing deposits$315,359
Deposits held in domestic offices$83
% insured (estimated)7291.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $937
All other liabilities $26,968
Total equity capital$26,968
Total bank equity capital$26,968
Perpetual preferred stock$0
Common stock$6,600
Undivided profits $11,403
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 $787
Earning assets $0
Long-term assets (5+ years) $1,598
Average Assets, year-to-date $324,861
Average Assets, quarterly $48,549
Volatile liabilities $312,534
Insider loans $336,662
FHLB advances $185,466
Loans and leases held for sale $336,746
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $23,645
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $32,636
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,430
Total interest expense $1,420
Net interest income $9,010
Provision for loan and lease losses $800
Total noninterest income $1,932
Fiduciary activities $1,248
Service charges on deposit accounts $163
Trading account gains & fees $0
Additional noninterest income $521
Total noninterest expense $5,281
Salaries and employee benefits $3,330
Premises and equipment expense $551
Additional noninterest expense $1,400
Pre-tax net operating income $4,861
Securities gains (losses) $0
Applicable income taxes $251
Income before extraordinary items $4,610
Extraordinary gains - net $0
Net income attributable to bank $4,610
Net charge-offs $0
Cash dividends $4,610
Sale, conversion, retirement of capital stock, net $617
Net operating income $1,727
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.60%
Cost of funding earning assets 0.49%
Net interest margin 3.11%
Noninterest income to earning assets 0.67%
Noninterest expense to earning assets 1.82%
Net operating income to assets 1.48%
Return on assets (ROA) 1.48%
Pretax return on assets 1.56%
Return on equity (ROE) 18.28%
Retained earnings to average equity (YTD only) 11.43%
Net charge-offs to loans 0.44%
Credit loss provision to net charge-offs 129.66%
Efficiency ratio9.18%
Assets per employee$48,264
Cash dividends to net income (YTD only)6.53%
Condition Ratios (%)
Loss allowance to loans 37.46%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 244.22%
Noncurrent loans to loans 0.54%
Net loans and leases to deposits0.53%
Net loans and leases to core deposits 46.45%
Equity capital to assets 47.90%
Core capital (leverage) ratio 7.65%
Tier 1 risk-based capital ratio 7.02%
Total risk-based capital ratio 12.75%
Average assets$14
Average earning assets$312,534
Average equity $25,219
Average loans $289,719
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$113,501
Number of Accounts1
Personal trust and agency accounts$109,185
Employee benefit-defined contribution accounts$59,430
Employee benefit-defined benefit accounts$17,876
Other retirement accounts$0
Corporate trust and agency accounts$15,723
Investment management agency accounts$0
Other fiduciary accounts$16,156
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts606
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$4,316
Corporate trust and agency accounts$0
Other fiduciary accounts$3,877
Fiduciary accounts held in foreign offices$422
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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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