McVille State Bank in Mcville, North Dakota (ND)



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McVille State Bank routing number info

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McVille State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)10
Total assets$40,342
Cash and due from depository institutions$2,433
Interest-bearing balances$1,242
Securities$4,183
Federal funds sold & reverse repurchase agreements$3,100
Net loans & leases$29,305
Loan loss allowance $350
Trading account assets$0
Bank premises and fixed assets$294
Other real estate owned$40
Goodwill and other intangibles$292
All other assets$695
Life insurance assets$40,342
Total liabilities and capital$36,832
Total liabilities$36,653
Total deposits$27,969
Interest-bearing deposits$36,653
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $179
All other liabilities $3,510
Total equity capital$3,510
Total bank equity capital$3,510
Perpetual preferred stock$0
Common stock$150
Surplus$2,959
Undivided profits $401
Memoranda
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 $24
Earning assets $0
Long-term assets (5+ years) $575
Average Assets, year-to-date $37,830
Average Assets, quarterly $7,886
Volatile liabilities $37,115
Insider loans $38,219
FHLB advances $29,471
Loans and leases held for sale $38,168
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,213
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,282
Derivatives$40
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,921
Total interest expense $490
Net interest income $1,431
Provision for loan and lease losses $0
Total noninterest income $101
Fiduciary activities $0
Service charges on deposit accounts $52
Trading account gains & fees $0
Additional noninterest income $49
Total noninterest expense $1,093
Salaries and employee benefits $659
Premises and equipment expense $160
Additional noninterest expense $274
Pre-tax net operating income $439
Securities gains (losses) $0
Applicable income taxes $25
Income before extraordinary items $414
Extraordinary gains - net $0
Net income attributable to bank $414
Net charge-offs $0
Cash dividends $414
Sale, conversion, retirement of capital stock, net -$6
Net operating income $160
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.51%
Cost of funding earning assets 1.41%
Net interest margin 4.11%
Noninterest income to earning assets 0.29%
Noninterest expense to earning assets 3.14%
Net operating income to assets 1.12%
Return on assets (ROA) 1.12%
Pretax return on assets 1.18%
Return on equity (ROE) 11.98%
Retained earnings to average equity (YTD only) 7.35%
Net charge-offs to loans -0.02%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$67,689
Cash dividends to net income (YTD only)4.03%
Condition Ratios (%)
Loss allowance to loans 38.65%
Loss allowance to noncurrent loans 1.18%
Noncurrent assets plus other real estate owned to assets 1458.33%
Noncurrent loans to loans 0.16%
Net loans and leases to deposits0.08%
Net loans and leases to core deposits 79.95%
Equity capital to assets 88.74%
Core capital (leverage) ratio 8.70%
Tier 1 risk-based capital ratio 8.42%
Total risk-based capital ratio 10.90%
Memoranda
Average assets$12
Average earning assets$37,115
Average equity $3,456
Average loans $34,842
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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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