First State Bank of Wilton in Wilton, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank of Wilton - Overview

  • General
  • FDIC Certificate #: 16975
    Status: Active
    Federal Reserve ID: 245856
    Bank Holding Company (Regulatory Top Holder): First Wilton Bancshares, Ltd. (RSSDID: 2019202, Location: Wilton, ND)
    Date Established: January 01, 1920
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 11050
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 02, 1951
    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: 110 Dakota Avenue, Wilton, ND 58579
    County: Mclean
    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: $33.8 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $28.6 mil
    Return on assets (ROA): 1.31% ($0.4 mil)
    Quarterly return on assets: 1.62% ($0.6 mil)
    Return on Equity (ROE): 10.91% ($0.4 mil)
    Quarterly return on equity: 13.19% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.69% ($571.2 mil)
    Quarterly Pretax return on assets: 1.90% ($642.2 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
  • 8Total employees (full-time equivalent)
  • $33,800Total assets
  • $788Cash and due from depository institutions
  • $11Interest-bearing balances
  • $16,271Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $15,549Net loans & leases
  • $266Loan loss allowance
  • $0Trading account assets
  • $20Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $33,799Life insurance assets
  • $1,172All other assets
  • $29,562Total liabilities and capital
  • $28,642Total liabilities
  • $22,182Total deposits
  • $28,642Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $650Trading liabilities
  • $0Other borrowed funds
  • $270Subordinated debt
  • $4,237All other liabilities
  • $4,237Total equity capital
  • $4,237Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $1,150Surplus
  • $2,837Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $336Long-term assets (5+ years)
  • $31,831Average Assets, year-to-date
  • $15,896Average Assets, quarterly
  • $33,120Volatile liabilities
  • $34,118Insider loans
  • $20,900FHLB advances
  • $33,791Loans and leases held for sale
  • $687Unused loan commitments
  • $687Tier 1 (core) risk-based capital
  • $3,952Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,933Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,422Total interest income
  • $240Total interest expense
  • $1,182Net interest income
  • $0Provision for loan and lease losses
  • $60Total noninterest income
  • $0Fiduciary activities
  • $24Service charges on deposit accounts
  • $0Trading account gains & fees
  • $36Additional noninterest income
  • $682Total noninterest expense
  • $441Salaries and employee benefits
  • $32Premises and equipment expense
  • $209Additional noninterest expense
  • $560Pre-tax net operating income
  • $0Securities gains (losses)
  • $126Applicable income taxes
  • $434Income before extraordinary items
  • $0Extraordinary gains - net
  • $434Net income attributable to bank
  • $0Net charge-offs
  • $434Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 2.19%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 10.91%Return on equity (ROE)
  • 9.66%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 560.00%Efficiency ratio
  • 54,911Assets per employee
  • 4.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.52%Loss allowance to loans
  • 1.68%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 54.29%Net loans and leases to core deposits
  • 57.40%Equity capital to assets
  • 12.54%Core capital (leverage) ratio
  • 11.70%Tier 1 risk-based capital ratio
  • 18.91%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $33,120Average earning assets
  • $3,977Average equity
  • $31,203Average loans

List of branches

  • 2 North Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011050First State Bank Of Wilton110 Dakota Avenue, Wilton, ND 58579January 01, 1920Full Service Brick and Mortar
    1239800Paying And Receiving Branch124 Main Street, Wing, ND 58494January 06, 1981Limited Service Facility

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