McVille State Bank in Mcville, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches


McVille State Bank - Overview

  • General
  • FDIC Certificate #: 8944
    Status: Active
    Federal Reserve ID: 759250
    Bank Holding Company (Regulatory Top Holder): Mcville Financial Services, Inc. (RSSDID: 1992849, Location: Mcville, ND)
    Date Established: December 02, 1920
    WWW: http://www.mcvillestatebank.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 #: 5711
    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: May 15, 2008
    Last Structure Change Process Date: May 16, 2008
    Last Data Update: May 16, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 South Main Street, Mcville, ND 58254
    County: Nelson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Grand Forks
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $40.3 mil
    Equity capital: $3.5 mil
    Deposits held in domestic offices: $36.7 mil
    Return on assets (ROA): 1.12% ($0.4 mil)
    Quarterly return on assets: 0.76% ($0.3 mil)
    Return on Equity (ROE): 11.98% ($0.5 mil)
    Quarterly return on equity: 8.29% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.18% ($476.0 mil)
    Quarterly Pretax return on assets: 0.82% ($330.8 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
  • 10Total employees (full-time equivalent)
  • $40,342Total assets
  • $2,433Cash and due from depository institutions
  • $1,242Interest-bearing balances
  • $4,183Securities
  • $3,100Federal funds sold & reverse repurchase agreements
  • $29,305Net loans & leases
  • $350Loan loss allowance
  • $0Trading account assets
  • $294Bank premises and fixed assets
  • $40Other real estate owned
  • $292Goodwill and other intangibles
  • $40,342Life insurance assets
  • $695All other assets
  • $36,832Total liabilities and capital
  • $36,653Total liabilities
  • $27,969Total deposits
  • $36,653Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $179Subordinated debt
  • $3,510All other liabilities
  • $3,510Total equity capital
  • $3,510Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $2,959Surplus
  • $401Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24Income earned, not collected on loans
  • $0Earning assets
  • $575Long-term assets (5+ years)
  • $37,830Average Assets, year-to-date
  • $7,886Average Assets, quarterly
  • $37,115Volatile liabilities
  • $38,219Insider loans
  • $29,471FHLB advances
  • $38,168Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,213Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,282Restructured Loans and leases
  • $40Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,921Total interest income
  • $490Total interest expense
  • $1,431Net interest income
  • $0Provision for loan and lease losses
  • $101Total noninterest income
  • $0Fiduciary activities
  • $52Service charges on deposit accounts
  • $0Trading account gains & fees
  • $49Additional noninterest income
  • $1,093Total noninterest expense
  • $659Salaries and employee benefits
  • $160Premises and equipment expense
  • $274Additional noninterest expense
  • $439Pre-tax net operating income
  • $0Securities gains (losses)
  • $25Applicable income taxes
  • $414Income before extraordinary items
  • $0Extraordinary gains - net
  • $414Net income attributable to bank
  • $0Net charge-offs
  • $414Cash dividends
  • -$6Sale, conversion, retirement of capital stock, net
  • $160Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 11.98%Return on equity (ROE)
  • 7.35%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,689Assets per employee
  • 4.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.65%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 1458.33%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 79.95%Net loans and leases to core deposits
  • 88.74%Equity capital to assets
  • 8.70%Core capital (leverage) ratio
  • 8.42%Tier 1 risk-based capital ratio
  • 10.90%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $37,115Average earning assets
  • $3,456Average equity
  • $34,842Average loans

List of branches

  • 3 North Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05711Mcville State Bank201 South Main Street, Mcville, ND 58254December 02, 1920Full Service Brick and Mortar
    1361877Whinery Street Branch213 Whinery Street, Binford, ND 58416August 20, 2001Full Service Brick and Mortar
    3452223Northwood Branch321 Hwy 15, Northwood, ND 58267January 01, 2006Full Service Brick and Mortar

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