The First National Bank and Trust Company of Ellendale in Ellendale, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 10, 1995

The First National Bank and Trust Company of Ellendale in Ellendale, North Dakota (ND)
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The First National Bank and Trust Company of Ellendale - Overview

General
FDIC Certificate #: 3920
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Starion Financial (#33758)
Federal Reserve ID: 926753
Date Established: January 01, 1883
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 2556
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 10, 1995
Last Structure Change Process Date: October 24, 1995
Last Data Update: October 24, 1995
Data Source Date: April 05, 2012
Location
Address: 100 Main Street, Ellendale, ND 58436
County: Dickey
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
Financial Summary
Total assets: $33.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$19Total assets
$33,894Cash and due from depository institutions
$2,579Interest-bearing balances
$1,250Securities
$7,946Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$21,926Loan loss allowance
$377Trading account assets
$0Bank premises and fixed assets
$345Other real estate owned
$0Goodwill and other intangibles
$1,098Life insurance assets
$0All other assets
$0Total liabilities and capital
$33,894Total liabilities
$31,250Total deposits
$29,478Interest-bearing deposits
$27,221Deposits held in domestic offices
29478.00%% insured (estimated)
$89Federal funds purchased & repurchase agreements
$1,360Trading liabilities
$0Other borrowed funds
$96Subordinated debt
$0All other liabilities
$316Total equity capital
$316Total bank equity capital
$2,644Perpetual preferred stock
$0Common stock
$301Surplus
$500Undivided profits
Memoranda
$1,843Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$503Income earned, not collected on loans
$580Earning assets
$31,122Long-term assets (5+ years)
$2,369Average Assets, year-to-date
$33,719Average Assets, quarterly
$33,885Volatile liabilities
$2,851Insider loans
$478FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,765Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,783Total risk weighted assets
$25,927Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$2,536Total interest expense
$1,054Net interest income
$1,482Provision for loan and lease losses
$24Total noninterest income
$214Fiduciary activities
$0Service charges on deposit accounts
$64Trading account gains & fees
$0Additional noninterest income
$150Total noninterest expense
$963Salaries and employee benefits
$545Premises and equipment expense
$50Additional noninterest expense
$368Pre-tax net operating income
$709Securities gains (losses)
-$16Applicable income taxes
$230Income before extraordinary items
$463Extraordinary gains - net
$0Net income attributable to bank
$463Net charge-offs
$32Cash dividends
$855Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.03%Cost of funding earning assets
3.34%Net interest margin
4.69%Noninterest income to earning assets
0.68%Noninterest expense to earning assets
3.05%Net operating income to assets
1.40%Return on assets (ROA)
1.37%Pretax return on assets
2.06%Return on equity (ROE)
15.04%Retained earnings to average equity (YTD only)
-12.73%Net charge-offs to loans
0.15%Credit loss provision to net charge-offs
75.00%Efficiency ratio
56,781Assets per employee
1.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
184.67%Loss allowance to loans
1.69%Loss allowance to noncurrent loans
74.95%Noncurrent assets plus other real estate owned to assets
1.48%Noncurrent loans to loans
2.26%Net loans and leases to deposits
74.38%Net loans and leases to core deposits
78.08%Equity capital to assets
7.80%Core capital (leverage) ratio
8.24%Tier 1 risk-based capital ratio
10.73%Total risk-based capital ratio
Memoranda
$12Average assets
$33,719Average earning assets
$3,079Average equity
$31,571Average loans

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