Stock Growers Bank in Napoleon, North Dakota (ND)

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Stock Growers Bank
GeneralFDIC Certificate #: 15440
Status: Active
Federal Reserve ID: 1009055
Bank Holding Company (Regulatory Top Holder): Napoleon Bancorporation, Inc. (RSSDID: 1127155, Location: Napoleon, ND)
Date Established: January 01, 1900
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 9752
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
LocationAddress: 212 Main Avenue, Napoleon, ND 58561
County: Logan
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $61.2 mil
Equity capital: $6.8 mil
Deposits held in domestic offices: $54.2 mil
Return on assets (ROA): 1.52% ($0.9 mil)
Quarterly return on assets: 1.13% ($0.7 mil)
Return on Equity (ROE): 13.36% ($0.9 mil)
Quarterly return on equity: 9.50% ($0.7 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.64% ($1,003.4 mil)
Quarterly Pretax return on assets: 1.17% ($715.8 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$61,182
Cash and due from depository institutions$2,766
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$9,800
Net loans & leases$30,469
Loan loss allowance $354
Trading account assets$0
Bank premises and fixed assets$152
Other real estate owned$0
Goodwill and other intangibles$79
All other assets$860
Life insurance assets$61,182
Total liabilities and capital$54,376
Total liabilities$54,182
Total deposits$44,713
Interest-bearing deposits$54,182
Deposits held in domestic offices$78
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $194
All other liabilities $6,806
Total equity capital$6,806
Total bank equity capital$6,806
Perpetual preferred stock$0
Common stock$200
Undivided profits $4,278
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 $13
Earning assets $0
Long-term assets (5+ years) $737
Average Assets, year-to-date $57,325
Average Assets, quarterly $21,085
Volatile liabilities $54,307
Insider loans $56,471
FHLB advances $37,581
Loans and leases held for sale $55,876
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,003
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,900
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,213
Total interest expense $442
Net interest income $1,771
Provision for loan and lease losses $0
Total noninterest income $176
Fiduciary activities $0
Service charges on deposit accounts $52
Trading account gains & fees $0
Additional noninterest income $124
Total noninterest expense $1,063
Salaries and employee benefits $699
Premises and equipment expense $102
Additional noninterest expense $262
Pre-tax net operating income $884
Securities gains (losses) $7
Applicable income taxes $63
Income before extraordinary items $828
Extraordinary gains - net $0
Net income attributable to bank $828
Net charge-offs $0
Cash dividends $828
Sale, conversion, retirement of capital stock, net $3
Net operating income $499
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.47%
Cost of funding earning assets 0.89%
Net interest margin 3.58%
Noninterest income to earning assets 0.36%
Noninterest expense to earning assets 2.15%
Net operating income to assets 1.51%
Return on assets (ROA) 1.52%
Pretax return on assets 1.64%
Return on equity (ROE) 13.36%
Retained earnings to average equity (YTD only) 5.31%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio294.67%
Assets per employee$54,237
Cash dividends to net income (YTD only)6.12%
Condition Ratios (%)
Loss allowance to loans 60.27%
Loss allowance to noncurrent loans 1.15%
Noncurrent assets plus other real estate owned to assets 2723.08%
Noncurrent loans to loans 0.02%
Net loans and leases to deposits0.04%
Net loans and leases to core deposits 56.23%
Equity capital to assets 60.36%
Core capital (leverage) ratio 11.12%
Tier 1 risk-based capital ratio 10.74%
Total risk-based capital ratio 15.97%
Average assets$17
Average earning assets$54,307
Average equity $6,196
Average loans $49,476
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1 North Dakota Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09752Stock Growers Bank212 Main Avenue, Napoleon, ND 58561January 01, 1900Full Service Brick and Mortar
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