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

  • Lincoln State Bank in Hankinson, North Dakota (ND)
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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
    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

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