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
    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

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

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