McIntosh County Bank in Ashley, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches


McIntosh County Bank - Overview

  • General
  • FDIC Certificate #: 13794
    Status: Active
    Federal Reserve ID: 720858
    Bank Holding Company (Regulatory Top Holder): Mcintosh County Bank Holding Company, Inc. (RSSDID: 1143678, Location: Ashley, ND)
    Date Established: January 01, 1911
    WWW: http://www.makeitmcb.com
    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 #: 8624
    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: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 204 West Main Street, Ashley, ND 58413
    County: Mcintosh
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $83.0 mil
    Equity capital: $7.8 mil
    Deposits held in domestic offices: $63.7 mil
    Return on assets (ROA): 1.61% ($1.3 mil)
    Quarterly return on assets: 1.21% ($1.0 mil)
    Return on Equity (ROE): 16.97% ($1.4 mil)
    Quarterly return on equity: 12.24% ($1.0 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.76% ($1,461.4 mil)
    Quarterly Pretax return on assets: 1.37% ($1,137.6 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
  • 17Total employees (full-time equivalent)
  • $83,033Total assets
  • $3,159Cash and due from depository institutions
  • $742Interest-bearing balances
  • $27,261Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $47,150Net loans & leases
  • $1,048Loan loss allowance
  • $0Trading account assets
  • $390Bank premises and fixed assets
  • $99Other real estate owned
  • $2Goodwill and other intangibles
  • $83,033Life insurance assets
  • $4,972All other assets
  • $75,194Total liabilities and capital
  • $63,700Total liabilities
  • $53,977Total deposits
  • $63,700Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,000Trading liabilities
  • $0Other borrowed funds
  • $1,494Subordinated debt
  • $7,839All other liabilities
  • $7,839Total equity capital
  • $7,839Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $2,900Surplus
  • $4,639Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,130Income earned, not collected on loans
  • $0Earning assets
  • $941Long-term assets (5+ years)
  • $75,153Average Assets, year-to-date
  • $25,419Average Assets, quarterly
  • $82,683Volatile liabilities
  • $83,181Insider loans
  • $58,931FHLB advances
  • $82,703Loans and leases held for sale
  • $3,270Unused loan commitments
  • $3,270Tier 1 (core) risk-based capital
  • $7,335Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,502Restructured Loans and leases
  • $1,054Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,567Total interest income
  • $888Total interest expense
  • $2,679Net interest income
  • $30Provision for loan and lease losses
  • $425Total noninterest income
  • $0Fiduciary activities
  • $115Service charges on deposit accounts
  • $0Trading account gains & fees
  • $310Additional noninterest income
  • $1,731Total noninterest expense
  • $1,032Salaries and employee benefits
  • $156Premises and equipment expense
  • $543Additional noninterest expense
  • $1,343Pre-tax net operating income
  • $111Securities gains (losses)
  • $123Applicable income taxes
  • $1,331Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,331Net income attributable to bank
  • $0Net charge-offs
  • $1,331Cash dividends
  • -$6Sale, conversion, retirement of capital stock, net
  • $950Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.63%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.35%Noninterest expense to earning assets
  • 1.49%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 16.97%Return on equity (ROE)
  • 4.86%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -500.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 55,767Assets per employee
  • 4.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.37%Loss allowance to loans
  • 2.17%Loss allowance to noncurrent loans
  • 92.74%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 2.34%Net loans and leases to deposits
  • 74.02%Net loans and leases to core deposits
  • 79.20%Equity capital to assets
  • 9.44%Core capital (leverage) ratio
  • 8.87%Tier 1 risk-based capital ratio
  • 12.45%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $82,683Average earning assets
  • $7,844Average equity
  • $73,703Average loans

List of branches

  • 2 North Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08624Mcintosh County Bank204 West Main Street, Ashley, ND 58413January 01, 1911Full Service Brick and Mortar
    2230276Zeeland BranchMain Street, Zeeland, ND 58581January 17, 1941Full Service Brick and Mortar

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