Lincoln State Bank in Hankinson, North Dakota (ND)

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Lincoln State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)15
Total assets$54,283
Cash and due from depository institutions$1,972
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$25,299
Loan loss allowance $321
Trading account assets$0
Bank premises and fixed assets$952
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$640
Life insurance assets$54,283
Total liabilities and capital$49,896
Total liabilities$49,137
Total deposits$37,771
Interest-bearing deposits$49,137
Deposits held in domestic offices$89
% insured (estimated)555.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $204
All other liabilities $4,387
Total equity capital$4,387
Total bank equity capital$4,387
Perpetual preferred stock$0
Common stock$150
Undivided profits $2,237
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 $102
Earning assets $0
Long-term assets (5+ years) $453
Average Assets, year-to-date $50,719
Average Assets, quarterly $19,435
Volatile liabilities $52,634
Insider loans $53,155
FHLB advances $26,861
Loans and leases held for sale $54,053
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,083
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,523
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,163
Total interest expense $387
Net interest income $1,776
Provision for loan and lease losses $30
Total noninterest income $170
Fiduciary activities $0
Service charges on deposit accounts $108
Trading account gains & fees $0
Additional noninterest income $62
Total noninterest expense $1,435
Salaries and employee benefits $809
Premises and equipment expense $223
Additional noninterest expense $403
Pre-tax net operating income $481
Securities gains (losses) $136
Applicable income taxes $42
Income before extraordinary items $575
Extraordinary gains - net $0
Net income attributable to bank $575
Net charge-offs $0
Cash dividends $575
Sale, conversion, retirement of capital stock, net $30
Net operating income $310
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.36%
Cost of funding earning assets 0.78%
Net interest margin 3.58%
Noninterest income to earning assets 0.34%
Noninterest expense to earning assets 2.89%
Net operating income to assets 0.85%
Return on assets (ROA) 1.09%
Pretax return on assets 1.17%
Return on equity (ROE) 13.66%
Retained earnings to average equity (YTD only) 6.29%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 100.00%
Efficiency ratio17.03%
Assets per employee$73,381
Cash dividends to net income (YTD only)3.62%
Condition Ratios (%)
Loss allowance to loans 53.91%
Loss allowance to noncurrent loans 1.25%
Noncurrent assets plus other real estate owned to assets 314.71%
Noncurrent loans to loans 0.19%
Net loans and leases to deposits0.40%
Net loans and leases to core deposits 51.49%
Equity capital to assets 53.67%
Core capital (leverage) ratio 8.08%
Tier 1 risk-based capital ratio 7.55%
Total risk-based capital ratio 15.20%
Average assets$16
Average earning assets$52,634
Average equity $4,210
Average loans $49,584
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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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