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


  • 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 - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 25Total employees (full-time equivalent)
  • $125,779Total assets
  • $9,512Cash and due from depository institutions
  • $6,798Interest-bearing balances
  • $55,176Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $59,082Net loans & leases
  • $2,292Loan loss allowance
  • $0Trading account assets
  • $399Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $125,779Life insurance assets
  • $1,610All other assets
  • $112,218Total liabilities and capital
  • $109,734Total liabilities
  • $88,956Total deposits
  • $109,734Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,484Subordinated debt
  • $13,561All other liabilities
  • $13,561Total equity capital
  • $13,561Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $11,561Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $624Income earned, not collected on loans
  • $0Earning assets
  • $1,222Long-term assets (5+ years)
  • $121,056Average Assets, year-to-date
  • $19,899Average Assets, quarterly
  • $123,306Volatile liabilities
  • $124,515Insider loans
  • $71,964FHLB advances
  • $128,690Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,383Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,425Restructured Loans and leases
  • $59Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,472Total interest income
  • $901Total interest expense
  • $3,571Net interest income
  • $0Provision for loan and lease losses
  • $258Total noninterest income
  • $62Fiduciary activities
  • $67Service charges on deposit accounts
  • $0Trading account gains & fees
  • $129Additional noninterest income
  • $2,528Total noninterest expense
  • $1,669Salaries and employee benefits
  • $153Premises and equipment expense
  • $706Additional noninterest expense
  • $1,301Pre-tax net operating income
  • $14Securities gains (losses)
  • $329Applicable income taxes
  • $986Income before extraordinary items
  • $0Extraordinary gains - net
  • $986Net income attributable to bank
  • $0Net charge-offs
  • $986Cash dividends
  • -$261Sale, conversion, retirement of capital stock, net
  • $750Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.77%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 3.01%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.13%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 7.26%Return on equity (ROE)
  • 1.74%Retained earnings to average equity (YTD only)
  • -0.43%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,022Assets per employee
  • 5.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.06%Loss allowance to loans
  • 3.73%Loss allowance to noncurrent loans
  • 367.31%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 1.02%Net loans and leases to deposits
  • 53.84%Net loans and leases to core deposits
  • 54.78%Equity capital to assets
  • 10.78%Core capital (leverage) ratio
  • 10.40%Tier 1 risk-based capital ratio
  • 18.60%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $123,306Average earning assets
  • $13,576Average equity
  • $118,682Average 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
  • $10,215Managed Assets
  • 1Number of Accounts
  • $9,949Personal trust and agency accounts
  • $9,949Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 46Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $266Other retirement accounts
  • $266Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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