The Citizens State Bank at Mohall in Mohall, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Citizens State Bank at Mohall - Overview

  • General
  • FDIC Certificate #: 8632
    Status: Active
    Federal Reserve ID: 688453
    Bank Holding Company (Regulatory Top Holder): Jorgenson Holding Company (RSSDID: 1122057, Location: Kenmare, ND)
    Date Established: June 01, 1915
    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 #: 5507
    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
  • Location
  • Address: 102 W Main St, Mohall, ND 58761
    County: Renville
    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): Minot, ND (#33500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $59.6 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $55.4 mil
    Return on assets (ROA): 1.18% ($0.7 mil)
    Quarterly return on assets: 0.93% ($0.6 mil)
    Return on Equity (ROE): 16.81% ($0.7 mil)
    Quarterly return on equity: 13.51% ($0.5 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.25% ($745.5 mil)
    Quarterly Pretax return on assets: 0.99% ($590.5 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
  • 10Total employees (full-time equivalent)
  • $59,643Total assets
  • $5,757Cash and due from depository institutions
  • $0Interest-bearing balances
  • $12,269Securities
  • $8,000Federal funds sold & reverse repurchase agreements
  • $32,739Net loans & leases
  • $327Loan loss allowance
  • $0Trading account assets
  • $233Bank premises and fixed assets
  • $25Other real estate owned
  • $0Goodwill and other intangibles
  • $59,643Life insurance assets
  • $620All other assets
  • $55,593Total liabilities and capital
  • $55,438Total liabilities
  • $43,384Total deposits
  • $55,438Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $155Subordinated debt
  • $4,050All other liabilities
  • $4,050Total equity capital
  • $4,050Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $1,200Surplus
  • $2,450Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $74Income earned, not collected on loans
  • $0Earning assets
  • $440Long-term assets (5+ years)
  • $53,008Average Assets, year-to-date
  • $3,000Average Assets, quarterly
  • $53,711Volatile liabilities
  • $57,975Insider loans
  • $35,546FHLB advances
  • $58,356Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,050Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,419Restructured Loans and leases
  • $885Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,014Total interest income
  • $370Total interest expense
  • $1,644Net interest income
  • $18Provision for loan and lease losses
  • $116Total noninterest income
  • $0Fiduciary activities
  • $57Service charges on deposit accounts
  • $0Trading account gains & fees
  • $59Additional noninterest income
  • $1,068Total noninterest expense
  • $689Salaries and employee benefits
  • $110Premises and equipment expense
  • $269Additional noninterest expense
  • $674Pre-tax net operating income
  • $0Securities gains (losses)
  • $39Applicable income taxes
  • $635Income before extraordinary items
  • $0Extraordinary gains - net
  • $635Net income attributable to bank
  • $0Net charge-offs
  • $635Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $75Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.22%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 16.81%Return on equity (ROE)
  • 14.83%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 60,682Assets per employee
  • 5.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.81%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 441.89%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 59.06%Net loans and leases to core deposits
  • 63.61%Equity capital to assets
  • 6.79%Core capital (leverage) ratio
  • 6.94%Tier 1 risk-based capital ratio
  • 11.39%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $53,711Average earning assets
  • $3,777Average equity
  • $48,103Average loans

List of branches

  • 3 North Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05507The Citizens State Bank At Mohall102 W Main St, Mohall, ND 58761June 01, 1915Full Service Brick and Mortar
    1218790Paying And Receiving BranchLincoln Avenue, Sherwood, ND 58782April 18, 1966Full Service Brick and Mortar
    2365362Lansford Paying And Receiving BranchMain Street, Lansford, ND 58750July 16, 2001Full Service Brick and Mortar

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