Kirkwood Bank & Trust Co. in Bismarck, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

Kirkwood Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 21928
    Status: Active
    Federal Reserve ID: 908450
    Bank Holding Company (Regulatory Top Holder): Kirkwood Bancorporation Co. (RSSDID: 1843558, Location: Bismarck, ND)
    Date Established: Febuary 18, 1975
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 15197
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 18, 1975
    Last Structure Change Effective Date: September 12, 2007
    Last Structure Change Process Date: October 19, 2007
    Last Data Update: October 19, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2911 N. 14th Street, Suite 101, Bismarck, ND 58503
    County: Burleigh
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Fargo
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Bismarck, ND (#1010)
    Core Based Statistical Area (CBSA): Bismarck, ND (#13900)
    CBSA Metro Statistical Area: Bismarck, ND (#13900)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $167.8 mil
    Equity capital: $13.4 mil
    Deposits held in domestic offices: $148.7 mil
    Return on assets (ROA): 0.67% ($1.1 mil)
    Quarterly return on assets: 0.75% ($1.3 mil)
    Return on Equity (ROE): 8.47% ($1.1 mil)
    Quarterly return on equity: 9.44% ($1.2 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.94% ($1,577.7 mil)
    Quarterly Pretax return on assets: 1.11% ($1,863.1 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
  • 56Total employees (full-time equivalent)
  • $167,844Total assets
  • $40,377Cash and due from depository institutions
  • $32,746Interest-bearing balances
  • $12,736Securities
  • $7,258Federal funds sold & reverse repurchase agreements
  • $98,591Net loans & leases
  • $2,341Loan loss allowance
  • $0Trading account assets
  • $4,606Bank premises and fixed assets
  • $171Other real estate owned
  • $0Goodwill and other intangibles
  • $167,844Life insurance assets
  • $4,105All other assets
  • $154,458Total liabilities and capital
  • $148,692Total liabilities
  • $100,833Total deposits
  • $148,692Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,500Trading liabilities
  • $0Other borrowed funds
  • $1,266Subordinated debt
  • $13,386All other liabilities
  • $13,386Total equity capital
  • $13,386Total bank equity capital
  • $0Perpetual preferred stock
  • $690Common stock
  • $8,210Surplus
  • $4,486Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,085Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,291Income earned, not collected on loans
  • $0Earning assets
  • $605Long-term assets (5+ years)
  • $151,331Average Assets, year-to-date
  • $17,950Average Assets, quarterly
  • $163,587Volatile liabilities
  • $166,724Insider loans
  • $119,326FHLB advances
  • $168,907Loans and leases held for sale
  • $1,788Unused loan commitments
  • $1,788Tier 1 (core) risk-based capital
  • $13,386Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,541Restructured Loans and leases
  • $1,770Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,148Total interest income
  • $1,017Total interest expense
  • $5,131Net interest income
  • $180Provision for loan and lease losses
  • $1,764Total noninterest income
  • $468Fiduciary activities
  • $119Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,177Additional noninterest income
  • $5,181Total noninterest expense
  • $3,067Salaries and employee benefits
  • $829Premises and equipment expense
  • $1,285Additional noninterest expense
  • $1,534Pre-tax net operating income
  • $0Securities gains (losses)
  • $441Applicable income taxes
  • $1,093Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,093Net income attributable to bank
  • $0Net charge-offs
  • $1,093Cash dividends
  • $92Sale, conversion, retirement of capital stock, net
  • $145Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.16%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 3.47%Net interest margin
  • 1.19%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 8.47%Return on equity (ROE)
  • 7.34%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 195.65%Credit loss provision to net charge-offs
  • 18.63%Efficiency ratio
  • 75,141Assets per employee
  • 3.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.27%Loss allowance to loans
  • 2.32%Loss allowance to noncurrent loans
  • 181.33%Noncurrent assets plus other real estate owned to assets
  • 0.87%Noncurrent loans to loans
  • 1.28%Net loans and leases to deposits
  • 66.31%Net loans and leases to core deposits
  • 67.49%Equity capital to assets
  • 7.98%Core capital (leverage) ratio
  • 7.93%Tier 1 risk-based capital ratio
  • 11.22%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $163,587Average earning assets
  • $12,909Average equity
  • $147,836Average 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
  • $40,091Managed Assets
  • 1Number of Accounts
  • $31,681Personal trust and agency accounts
  • $18,176Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $6,395Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $7,110Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 224Number of Accounts
  • $0Personal trust and agency accounts
  • $6,395Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,410Other retirement accounts
  • $0Corporate trust and agency accounts
  • $7,420Other fiduciary accounts
  • $221Fiduciary accounts held in foreign offices

List of branches

  • 5 North Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015197Kirkwood Bank & Trust Co.2911 N. 14th Street, Suite 101, Bismarck, ND 58503Febuary 18, 1975Full Service Brick and Mortar
    1253731Detached Facility826 Kirkwood Mall, Bismarck, ND 58501April 17, 1980Limited Service Facility
    2253732South Facility905 Tacoma Avenue, Bismarck, ND 58504August 15, 1996Full Service Brick and Mortar
    3253733Dickinson Branch221 First Avenue West, Dickinson, ND 58601October 21, 1996Full Service Brick and Mortar
    4471106Downtown Bismarck Location122 East Main Street, Bismarck, ND 58501Febuary 01, 2008Full Service Brick and Mortar

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