The First National Bank of Buhl in Buhl, Minnesota (MN)
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| The First National Bank of Buhl | |
|---|---|
| General | FDIC Certificate #: 5105 Status: Active Federal Reserve ID: 108652 Bank Holding Company (Regulatory Top Holder): Timberland Bancorp (RSSDID: 3288911, Location: Baxter, MN) Date Established: Febuary 01, 1902 WWW: http://www.fnbob.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Domestic: 2, Interstate: No) FDIC's unique #: 3413 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012 |
| Location | Address: 121 State Street, Buhl, MN 55713 County: St. Louis Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Minneapolis Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Duluth-Superior, MN-WI (#2240) Core Based Statistical Area (CBSA): Duluth, MN-WI (#20260) CBSA Metro Statistical Area: Duluth, MN-WI (#20260) |
| Financial Summary | Total assets: $24.0 mil Equity capital: $2.2 mil Deposits held in domestic offices: $21.7 mil Return on assets (ROA): -1.10% (-$0.3 mil) Quarterly return on assets: -2.24% (-$0.5 mil) Return on Equity (ROE): -11.24% (-$0.2 mil) Quarterly return on equity: -23.39% (-$0.5 mil) Net income: -$0.3 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -1.10% (-$264.1 mil) Quarterly Pretax return on assets: -2.24% (-$537.7 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 9 |
| Total assets | $24,005 |
| Cash and due from depository institutions | $2,568 |
| Interest-bearing balances | $1,234 |
| Securities | $588 |
| Federal funds sold & reverse repurchase agreements | $1,340 |
| Net loans & leases | $17,448 |
| Loan loss allowance | $182 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $605 |
| Other real estate owned | $617 |
| Goodwill and other intangibles | $399 |
| All other assets | $440 |
| Life insurance assets | $24,004 |
| Total liabilities and capital | $21,779 |
| Total liabilities | $21,742 |
| Total deposits | $19,280 |
| Interest-bearing deposits | $21,742 |
| Deposits held in domestic offices | $84 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $37 |
| All other liabilities | $2,225 |
| Total equity capital | $2,225 |
| Total bank equity capital | $2,225 |
| Perpetual preferred stock | $0 |
| Common stock | $200 |
| Surplus | $4,355 |
| Undivided profits | $-2,330 |
| Memoranda | |
| 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 | $236 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $90 |
| Average Assets, year-to-date | $20,610 |
| Average Assets, quarterly | $2,702 |
| Volatile liabilities | $24,314 |
| Insider loans | $23,890 |
| FHLB advances | $16,893 |
| Loans and leases held for sale | $23,254 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $1,825 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $257 |
| Derivatives | $544 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,083 |
| Total interest expense | $159 |
| Net interest income | $924 |
| Provision for loan and lease losses | $176 |
| Total noninterest income | $102 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $73 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $29 |
| Total noninterest expense | $1,118 |
| Salaries and employee benefits | $620 |
| Premises and equipment expense | $118 |
| Additional noninterest expense | $380 |
| Pre-tax net operating income | -$268 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | -$268 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | -$268 |
| Net charge-offs | $0 |
| Cash dividends | -$268 |
| Sale, conversion, retirement of capital stock, net | $154 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.06% |
| Cost of funding earning assets | 0.74% |
| Net interest margin | 4.32% |
| Noninterest income to earning assets | 0.48% |
| Noninterest expense to earning assets | 5.23% |
| Net operating income to assets | -1.10% |
| Return on assets (ROA) | -1.10% |
| Pretax return on assets | -1.10% |
| Return on equity (ROE) | -11.24% |
| Retained earnings to average equity (YTD only) | -11.24% |
| Net charge-offs to loans | 0.85% |
| Credit loss provision to net charge-offs | 114.29% |
| Efficiency ratio | -0.60% |
| Assets per employee | $108,967 |
| Cash dividends to net income (YTD only) | 2.67% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 1.03% |
| Noncurrent assets plus other real estate owned to assets | 77.12% |
| Noncurrent loans to loans | 3.55% |
| Net loans and leases to deposits | 1.34% |
| Net loans and leases to core deposits | 80.25% |
| Equity capital to assets | 88.93% |
| Core capital (leverage) ratio | 9.27% |
| Tier 1 risk-based capital ratio | 7.85% |
| Total risk-based capital ratio | 10.80% |
| Memoranda | |
| Average assets | $12 |
| Average earning assets | $24,314 |
| Average equity | $2,384 |
| Average loans | $21,388 |
| 2 Minnesota Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 3413 | The First National Bank Of Buhl | 121 State Street, Buhl, MN 55713 | Febuary 01, 1902 | Full Service Brick and Mortar |  |
| 1 | 441882 | Mt. Iron Branch | 5474 Mountain Iron Drive, Mountain Iron, MN 55768 | January 18, 2005 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.