First National Bank and Trust Co. of Bottineau in Bottineau, North Dakota (ND)



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First National Bank and Trust Co. of Bottineau routing number info

Table of contents:
First National Bank and Trust Co. of Bottineau
GeneralFDIC Certificate #: 3902
Status: Active
Federal Reserve ID: 974558
Bank Holding Company (Regulatory Top Holder): First Bottineau, Inc. (RSSDID: 1131237, Location: Bottineau, ND)
Date Established: January 01, 1906
WWW: http://www.netteller.comfirstbottineau/
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: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 2547
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: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 424 Main Street, Bottineau, ND 58318
County: Bottineau
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $125.8 mil
Equity capital: $13.6 mil
Deposits held in domestic offices: $109.7 mil
Return on assets (ROA): 0.80% ($1.0 mil)
Quarterly return on assets: 1.31% ($1.7 mil)
Return on Equity (ROE): 7.26% ($1.0 mil)
Quarterly return on equity: 11.89% ($1.7 mil)
Net income: $1.0 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.07% ($1,345.8 mil)
Quarterly Pretax return on assets: 1.58% ($1,987.3 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)25
Total assets$125,779
Cash and due from depository institutions$9,512
Interest-bearing balances$6,798
Securities$55,176
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$59,082
Loan loss allowance $2,292
Trading account assets$0
Bank premises and fixed assets$399
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,610
Life insurance assets$125,779
Total liabilities and capital$112,218
Total liabilities$109,734
Total deposits$88,956
Interest-bearing deposits$109,734
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,484
All other liabilities $13,561
Total equity capital$13,561
Total bank equity capital$13,561
Perpetual preferred stock$0
Common stock$1,000
Surplus$1,000
Undivided profits $11,561
Memoranda
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 $624
Earning assets $0
Long-term assets (5+ years) $1,222
Average Assets, year-to-date $121,056
Average Assets, quarterly $19,899
Volatile liabilities $123,306
Insider loans $124,515
FHLB advances $71,964
Loans and leases held for sale $128,690
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,383
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,425
Derivatives$59
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,472
Total interest expense $901
Net interest income $3,571
Provision for loan and lease losses $0
Total noninterest income $258
Fiduciary activities $62
Service charges on deposit accounts $67
Trading account gains & fees $0
Additional noninterest income $129
Total noninterest expense $2,528
Salaries and employee benefits $1,669
Premises and equipment expense $153
Additional noninterest expense $706
Pre-tax net operating income $1,301
Securities gains (losses) $14
Applicable income taxes $329
Income before extraordinary items $986
Extraordinary gains - net $0
Net income attributable to bank $986
Net charge-offs $0
Cash dividends $986
Sale, conversion, retirement of capital stock, net -$261
Net operating income $750
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.77%
Cost of funding earning assets 0.76%
Net interest margin 3.01%
Noninterest income to earning assets 0.22%
Noninterest expense to earning assets 2.13%
Net operating income to assets 0.79%
Return on assets (ROA) 0.80%
Pretax return on assets 1.07%
Return on equity (ROE) 7.26%
Retained earnings to average equity (YTD only) 1.74%
Net charge-offs to loans -0.43%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$66,022
Cash dividends to net income (YTD only)5.03%
Condition Ratios (%)
Loss allowance to loans 76.06%
Loss allowance to noncurrent loans 3.73%
Noncurrent assets plus other real estate owned to assets 367.31%
Noncurrent loans to loans 0.50%
Net loans and leases to deposits1.02%
Net loans and leases to core deposits 53.84%
Equity capital to assets 54.78%
Core capital (leverage) ratio 10.78%
Tier 1 risk-based capital ratio 10.40%
Total risk-based capital ratio 18.60%
Memoranda
Average assets$20
Average earning assets$123,306
Average equity $13,576
Average loans $118,682
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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$10,215
Number of Accounts1
Personal trust and agency accounts$9,949
Employee benefit-defined contribution accounts$9,949
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts46
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$266
Corporate trust and agency accounts$266
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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2 North Dakota Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02547First National Bank And Trust Co. Of424 Main Street, Bottineau, ND 58318January 01, 1906Full Service Brick and Mortar
1202135Willow City Exchange BranchMain Street, Willow City, ND 58384November 17, 1975Full Service Brick and Mortar
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