Starion Financial in Bismarck, North Dakota (ND), WI

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Starion Financial
GeneralFDIC Certificate #: 33758
Status: Active
Federal Reserve ID: 2009605
Bank Holding Company (Regulatory Top Holder): Starion Bancorporation (RSSDID: 1126729, Location: Bismarck, ND)
Date Established: January 01, 1993
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 13 (Domestic: 13, Interstate: Yes)
OTS Docket #: 12769
FDIC's unique #: 47968
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1993
Last Structure Change Effective Date: October 07, 2011
Last Structure Change Process Date: November 08, 2011
Last Data Update: November 08, 2011
Data Source Date: April 05, 2012
LocationAddress: 333 North Fourth Street, Bismarck, ND 58501
County: Burleigh
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
Metropolitan Statistical Area (MSA): Bismarck, ND (#1010)
Core Based Statistical Area (CBSA): Bismarck, ND (#13900)
CBSA Metro Statistical Area: Bismarck, ND (#13900)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $924.6 mil
Equity capital: $80.7 mil
Deposits held in domestic offices: $779.2 mil
Return on assets (ROA): 1.55% ($14.3 mil)
Quarterly return on assets: 1.78% ($16.5 mil)
Return on Equity (ROE): 17.19% ($13.9 mil)
Quarterly return on equity: 19.58% ($15.9 mil)
Net income: $12.8 mil
Quarterly Net income: $3.9 mil
Pretax return on assets: 1.60% ($14,794.3 mil)
Quarterly Pretax return on assets: 1.81% ($16,736.0 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)217
Total assets$924,641
Cash and due from depository institutions$40,268
Interest-bearing balances$21,001
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$610,976
Loan loss allowance $10,986
Trading account assets$0
Bank premises and fixed assets$19,303
Other real estate owned$1,702
Goodwill and other intangibles$1,702
All other assets$11,659
Life insurance assets$924,641
Total liabilities and capital$843,986
Total liabilities$779,170
Total deposits$609,295
Interest-bearing deposits$779,170
Deposits held in domestic offices$80
% insured (estimated)26879.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$34,030
Other borrowed funds $0
Subordinated debt $3,907
All other liabilities $80,655
Total equity capital$80,655
Total bank equity capital$80,655
Perpetual preferred stock$0
Common stock$490
Undivided profits $60,155
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $12,410
Income earned, not collected on loans $3,119
Earning assets $78
Long-term assets (5+ years) $5,161
Average Assets, year-to-date $871,008
Average Assets, quarterly $264,200
Volatile liabilities $824,516
Insider loans $874,536
FHLB advances $642,734
Loans and leases held for sale $881,180
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $72,246
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $74,156
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $38,436
Total interest expense $5,932
Net interest income $32,504
Provision for loan and lease losses $3,740
Total noninterest income $5,474
Fiduciary activities $0
Service charges on deposit accounts $928
Trading account gains & fees $0
Additional noninterest income $4,546
Total noninterest expense $21,243
Salaries and employee benefits $13,547
Premises and equipment expense $2,980
Additional noninterest expense $4,716
Pre-tax net operating income $12,995
Securities gains (losses) $180
Applicable income taxes $370
Income before extraordinary items $12,805
Extraordinary gains - net $0
Net income attributable to bank $12,805
Net charge-offs $0
Cash dividends $12,805
Sale, conversion, retirement of capital stock, net $1,877
Net operating income $5,050
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.92%
Cost of funding earning assets 0.76%
Net interest margin 4.16%
Noninterest income to earning assets 0.70%
Noninterest expense to earning assets 2.72%
Net operating income to assets 1.53%
Return on assets (ROA) 1.55%
Pretax return on assets 1.60%
Return on equity (ROE) 17.19%
Retained earnings to average equity (YTD only) 10.41%
Net charge-offs to loans 0.34%
Credit loss provision to net charge-offs 199.25%
Efficiency ratio8.92%
Assets per employee$55,782
Cash dividends to net income (YTD only)4.26%
Condition Ratios (%)
Loss allowance to loans 39.44%
Loss allowance to noncurrent loans 1.77%
Noncurrent assets plus other real estate owned to assets 352.23%
Noncurrent loans to loans 0.52%
Net loans and leases to deposits0.50%
Net loans and leases to core deposits 78.41%
Equity capital to assets 88.43%
Core capital (leverage) ratio 8.72%
Tier 1 risk-based capital ratio 8.20%
Total risk-based capital ratio 11.24%
Average assets$12
Average earning assets$824,516
Average equity $74,503
Average loans $781,415
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12 North Dakota Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
047968Starion Financial333 North Fourth Street, Bismarck, ND 58501January 01, 1993Full Service Brick and Mortar
211919Mandan Branch109 First Street, N.W., Mandan, ND 58554April 29, 1959Full Service Brick and Mortar
42576Oakes Branch601 Main Avenue, Oakes, ND 58474January 01, 1902Full Service Brick and Mortar
52556Ellendale Branch100 Main Street, Ellendale, ND 58436January 01, 1883Full Service Brick and Mortar
6289858Bismarck North Branch2900 North Washington Street, Bismarck, ND 58502January 02, 1996Full Service Brick and Mortar
7289859Bismarck South Branch1000 South Washington Street, Bismarck, ND 58502September 23, 1998Full Service Brick and Mortar
10475485Fargo Urban Plains Branch2754 Brandt Drive South, Fargo, ND 58104May 07, 2008Full Service Brick and Mortar
11479933Bismarck Plaza Branch1300 Skyline Blvd Suite 101, Bismarck, ND 58503Febuary 01, 2008Full Service Brick and Mortar
12480779Fargo University Dr Branch2525 University Drive South, Fargo, ND 58103August 28, 2008Full Service Brick and Mortar
137360Dunseith Branch11 Main Street Ne, Dunseith, ND 58329July 05, 1905Full Service Brick and Mortar
14289377Rolla BranchMain And 3rd Se, Rolla, ND 58367November 01, 1997Full Service Brick and Mortar
15474033Bottineau Branch804 East 11th Street, Bottineau, ND 58318April 21, 2008Full Service Brick and Mortar
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1 Wisconsin Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
9455686Middleton, Wi Branch1651 John Q. Hammons Drive, Middleton, WI 53562July 06, 2006Full Service Brick and Mortar
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