Peoples Bank and Trust in Parshall, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 2008

  • Peoples Bank and Trust in Parshall, North Dakota (ND)
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Peoples Bank and Trust - Overview

  • General
  • FDIC Certificate #: 8382
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Lakeside State Bank (#17165)
    Federal Reserve ID: 949752
    Date Established: April 13, 1914
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 5339
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 01, 2008
    Last Structure Change Process Date: March 11, 2008
    Last Data Update: March 11, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Parshall, ND 58770
    County: Mountrail
    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
  • Financial Summary
  • Total assets: $54.8 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, 2007)

  • Dollar figures in thousands
  • 10Total employees (full-time equivalent)
  • $54,805Total assets
  • $6,166Cash and due from depository institutions
  • $2,856Interest-bearing balances
  • $7,554Securities
  • $12,500Federal funds sold & reverse repurchase agreements
  • $27,338Net loans & leases
  • $400Loan loss allowance
  • $0Trading account assets
  • $184Bank premises and fixed assets
  • $0Other real estate owned
  • $39Goodwill and other intangibles
  • $0Life insurance assets
  • $1,024All other assets
  • $54,805Total liabilities and capital
  • $48,031Total liabilities
  • $45,435Total deposits
  • $37,735Interest-bearing deposits
  • $45,435Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,250Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $346All other liabilities
  • $6,774Total equity capital
  • $6,774Total bank equity capital
  • $6,774Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $3,500Undivided profits
  • Memoranda
  • $3,174Noncurrent loans and leases
  • $10,861Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2Earning assets
  • $0Long-term assets (5+ years)
  • $894Average Assets, year-to-date
  • $50,248Average Assets, quarterly
  • $1,298Volatile liabilities
  • $47,214Insider loans
  • $50,673FHLB advances
  • $7,942Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,861Total unused commitments
  • $0Restructured Loans and leases
  • $400Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $2,907Total interest income
  • $1,036Total interest expense
  • $1,871Net interest income
  • -$5Provision for loan and lease losses
  • $121Total noninterest income
  • $0Fiduciary activities
  • $68Service charges on deposit accounts
  • $0Trading account gains & fees
  • $53Additional noninterest income
  • $1,087Total noninterest expense
  • $799Salaries and employee benefits
  • $140Premises and equipment expense
  • $148Additional noninterest expense
  • $910Pre-tax net operating income
  • $0Securities gains (losses)
  • $60Applicable income taxes
  • $850Income before extraordinary items
  • $0Extraordinary gains - net
  • $850Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $496Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.73%Yield on earning assets
  • 2.40%Cost of funding earning assets
  • 4.33%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • 1.80%Net operating income to assets
  • 1.80%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 12.73%Return on equity (ROE)
  • 5.30%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 250.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 54,568Assets per employee
  • 5.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.35%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 20000.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 60.17%Net loans and leases to core deposits
  • 68.79%Equity capital to assets
  • 12.36%Core capital (leverage) ratio
  • 13.26%Tier 1 risk-based capital ratio
  • 16.75%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $47,214Average earning assets
  • $6,675Average equity
  • $43,167Average loans

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