First State Bank of Wilton in Wilton, North Dakota (ND)

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First State Bank of Wilton routing number info

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First State Bank of Wilton
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)8
Total assets$33,800
Cash and due from depository institutions$788
Interest-bearing balances$11
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$15,549
Loan loss allowance $266
Trading account assets$0
Bank premises and fixed assets$20
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,172
Life insurance assets$33,799
Total liabilities and capital$29,562
Total liabilities$28,642
Total deposits$22,182
Interest-bearing deposits$28,642
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$650
Other borrowed funds $0
Subordinated debt $270
All other liabilities $4,237
Total equity capital$4,237
Total bank equity capital$4,237
Perpetual preferred stock$0
Common stock$250
Undivided profits $2,837
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 $0
Earning assets $0
Long-term assets (5+ years) $336
Average Assets, year-to-date $31,831
Average Assets, quarterly $15,896
Volatile liabilities $33,120
Insider loans $34,118
FHLB advances $20,900
Loans and leases held for sale $33,791
Unused loan commitments $687
Tier 1 (core) risk-based capital $687
Tier 2 risk-based capital $3,952
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,933
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,422
Total interest expense $240
Net interest income $1,182
Provision for loan and lease losses $0
Total noninterest income $60
Fiduciary activities $0
Service charges on deposit accounts $24
Trading account gains & fees $0
Additional noninterest income $36
Total noninterest expense $682
Salaries and employee benefits $441
Premises and equipment expense $32
Additional noninterest expense $209
Pre-tax net operating income $560
Securities gains (losses) $0
Applicable income taxes $126
Income before extraordinary items $434
Extraordinary gains - net $0
Net income attributable to bank $434
Net charge-offs $0
Cash dividends $434
Sale, conversion, retirement of capital stock, net $1
Net operating income $50
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.56%
Cost of funding earning assets 0.77%
Net interest margin 3.79%
Noninterest income to earning assets 0.19%
Noninterest expense to earning assets 2.19%
Net operating income to assets 1.31%
Return on assets (ROA) 1.31%
Pretax return on assets 1.69%
Return on equity (ROE) 10.91%
Retained earnings to average equity (YTD only) 9.66%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio560.00%
Assets per employee$54,911
Cash dividends to net income (YTD only)4.22%
Condition Ratios (%)
Loss allowance to loans 11.52%
Loss allowance to noncurrent loans 1.68%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 54.29%
Equity capital to assets 57.40%
Core capital (leverage) ratio 12.54%
Tier 1 risk-based capital ratio 11.70%
Total risk-based capital ratio 18.91%
Average assets$20
Average earning assets$33,120
Average equity $3,977
Average loans $31,203
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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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