Lincoln State Bank in Hankinson, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Lincoln State Bank in Hankinson, North Dakota (ND)
  • Show street view No street view available for this location

Lincoln State Bank - Overview

  • General
  • FDIC Certificate #: 8390
    Status: Active
    Federal Reserve ID: 667551
    Bank Holding Company (Regulatory Top Holder): Lincoln Holding Company (RSSDID: 1495788, Location: Hankinson, ND)
    Date Established: August 03, 1903
    WWW: http://www.lsbhank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 5345
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 03, 2010
    Last Structure Change Process Date: June 03, 2010
    Last Data Update: June 03, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 302 South Main St, Hankinson, ND 58041
    County: Richland
    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
    Combined Statistical Area (CSA): Fargo-Wahpeton, ND-MN (#244)
    Core Based Statistical Area (CBSA): Wahpeton, ND-MN (#47420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $54.3 mil
    Equity capital: $4.4 mil
    Deposits held in domestic offices: $49.1 mil
    Return on assets (ROA): 1.09% ($0.6 mil)
    Quarterly return on assets: 1.14% ($0.6 mil)
    Return on Equity (ROE): 13.66% ($0.5 mil)
    Quarterly return on equity: 13.81% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.17% ($635.1 mil)
    Quarterly Pretax return on assets: 1.23% ($667.7 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
  • 15Total employees (full-time equivalent)
  • $54,283Total assets
  • $1,972Cash and due from depository institutions
  • $0Interest-bearing balances
  • $25,420Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $25,299Net loans & leases
  • $321Loan loss allowance
  • $0Trading account assets
  • $952Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $54,283Life insurance assets
  • $640All other assets
  • $49,896Total liabilities and capital
  • $49,137Total liabilities
  • $37,771Total deposits
  • $49,137Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 555.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $204Subordinated debt
  • $4,387All other liabilities
  • $4,387Total equity capital
  • $4,387Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $2,000Surplus
  • $2,237Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $102Income earned, not collected on loans
  • $0Earning assets
  • $453Long-term assets (5+ years)
  • $50,719Average Assets, year-to-date
  • $19,435Average Assets, quarterly
  • $52,634Volatile liabilities
  • $53,155Insider loans
  • $26,861FHLB advances
  • $54,053Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,083Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,523Restructured Loans and leases
  • $15Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,163Total interest income
  • $387Total interest expense
  • $1,776Net interest income
  • $30Provision for loan and lease losses
  • $170Total noninterest income
  • $0Fiduciary activities
  • $108Service charges on deposit accounts
  • $0Trading account gains & fees
  • $62Additional noninterest income
  • $1,435Total noninterest expense
  • $809Salaries and employee benefits
  • $223Premises and equipment expense
  • $403Additional noninterest expense
  • $481Pre-tax net operating income
  • $136Securities gains (losses)
  • $42Applicable income taxes
  • $575Income before extraordinary items
  • $0Extraordinary gains - net
  • $575Net income attributable to bank
  • $0Net charge-offs
  • $575Cash dividends
  • $30Sale, conversion, retirement of capital stock, net
  • $310Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.36%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.58%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 13.66%Return on equity (ROE)
  • 6.29%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 17.03%Efficiency ratio
  • 73,381Assets per employee
  • 3.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.91%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 314.71%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 51.49%Net loans and leases to core deposits
  • 53.67%Equity capital to assets
  • 8.08%Core capital (leverage) ratio
  • 7.55%Tier 1 risk-based capital ratio
  • 15.20%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $52,634Average earning assets
  • $4,210Average equity
  • $49,584Average loans

List of branches

  • 3 North Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05345Lincoln State Bank302 South Main St, Hankinson, ND 58041August 03, 1903Full Service Brick and Mortar
    1218370Lincoln State Bank - Wyndmere400 Ash Avenue, Wyndmere, ND 58081December 19, 1956Full Service Brick and Mortar
    3419201Lidgerwood Branch39 Wiley Avenue North, Lidgerwood, ND 58053January 27, 2003Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Lincoln State Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents