The Bank of Tioga in Tioga, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Tioga - Overview

  • General
  • FDIC Certificate #: 17280
    Status: Active
    Federal Reserve ID: 768953
    Bank Holding Company (Regulatory Top Holder): Tioga Bank Holding Company (RSSDID: 1124109, Location: Tioga, ND)
    Date Established: July 16, 1952
    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 #: 11299
    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: December 07, 1953
    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
  • Location
  • Address: 7 North Main Street, Tioga, ND 58852
    County: Williams
    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
    Core Based Statistical Area (CBSA): Williston, ND (#48780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $111.7 mil
    Equity capital: $9.9 mil
    Deposits held in domestic offices: $101.0 mil
    Return on assets (ROA): 1.24% ($1.4 mil)
    Quarterly return on assets: 1.11% ($1.2 mil)
    Return on Equity (ROE): 13.73% ($1.4 mil)
    Quarterly return on equity: 12.33% ($1.2 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.33% ($1,485.5 mil)
    Quarterly Pretax return on assets: 1.19% ($1,329.1 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
  • 15Total employees (full-time equivalent)
  • $111,689Total assets
  • $36,118Cash and due from depository institutions
  • $11,488Interest-bearing balances
  • $33,685Securities
  • $8,000Federal funds sold & reverse repurchase agreements
  • $30,112Net loans & leases
  • $507Loan loss allowance
  • $0Trading account assets
  • $296Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $111,689Life insurance assets
  • $3,478All other assets
  • $101,823Total liabilities and capital
  • $100,965Total liabilities
  • $72,154Total deposits
  • $100,965Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $858Subordinated debt
  • $9,866All other liabilities
  • $9,866Total equity capital
  • $9,866Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $2,200Surplus
  • $7,366Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $631Income earned, not collected on loans
  • $0Earning assets
  • $575Long-term assets (5+ years)
  • $83,285Average Assets, year-to-date
  • $32,514Average Assets, quarterly
  • $99,242Volatile liabilities
  • $107,282Insider loans
  • $43,770FHLB advances
  • $104,650Loans and leases held for sale
  • $2,558Unused loan commitments
  • $2,558Tier 1 (core) risk-based capital
  • $8,491Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,502Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,842Total interest income
  • $330Total interest expense
  • $2,512Net interest income
  • $89Provision for loan and lease losses
  • $440Total noninterest income
  • $0Fiduciary activities
  • $61Service charges on deposit accounts
  • $0Trading account gains & fees
  • $379Additional noninterest income
  • $1,569Total noninterest expense
  • $985Salaries and employee benefits
  • $151Premises and equipment expense
  • $433Additional noninterest expense
  • $1,294Pre-tax net operating income
  • $22Securities gains (losses)
  • $85Applicable income taxes
  • $1,231Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,231Net income attributable to bank
  • $0Net charge-offs
  • $1,231Cash dividends
  • $325Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.67%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.03%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 13.73%Return on equity (ROE)
  • 10.38%Retained earnings to average equity (YTD only)
  • 1.13%Net charge-offs to loans
  • 27.38%Credit loss provision to net charge-offs
  • 4.26%Efficiency ratio
  • 53,150Assets per employee
  • 7.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.37%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 80.35%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 2.06%Net loans and leases to deposits
  • 29.82%Net loans and leases to core deposits
  • 31.64%Equity capital to assets
  • 8.83%Core capital (leverage) ratio
  • 8.11%Tier 1 risk-based capital ratio
  • 19.40%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $99,242Average earning assets
  • $8,967Average equity
  • $77,354Average loans

List of branches

  • 1 North Dakota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011299The Bank Of Tioga7 North Main Street, Tioga, ND 58852July 16, 1952Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Bank of Tioga.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents