The First National Bank of Buhl in Buhl, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Buhl - Overview

  • 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
    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)

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
  • 9Total employees (full-time equivalent)
  • $24,005Total assets
  • $2,568Cash and due from depository institutions
  • $1,234Interest-bearing balances
  • $588Securities
  • $1,340Federal funds sold & reverse repurchase agreements
  • $17,448Net loans & leases
  • $182Loan loss allowance
  • $0Trading account assets
  • $605Bank premises and fixed assets
  • $617Other real estate owned
  • $399Goodwill and other intangibles
  • $24,004Life insurance assets
  • $440All other assets
  • $21,779Total liabilities and capital
  • $21,742Total liabilities
  • $19,280Total deposits
  • $21,742Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $37Subordinated debt
  • $2,225All other liabilities
  • $2,225Total equity capital
  • $2,225Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $4,355Surplus
  • $-2,330Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $236Income earned, not collected on loans
  • $0Earning assets
  • $90Long-term assets (5+ years)
  • $20,610Average Assets, year-to-date
  • $2,702Average Assets, quarterly
  • $24,314Volatile liabilities
  • $23,890Insider loans
  • $16,893FHLB advances
  • $23,254Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,825Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $257Restructured Loans and leases
  • $544Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,083Total interest income
  • $159Total interest expense
  • $924Net interest income
  • $176Provision for loan and lease losses
  • $102Total noninterest income
  • $0Fiduciary activities
  • $73Service charges on deposit accounts
  • $0Trading account gains & fees
  • $29Additional noninterest income
  • $1,118Total noninterest expense
  • $620Salaries and employee benefits
  • $118Premises and equipment expense
  • $380Additional noninterest expense
  • -$268Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$268Income before extraordinary items
  • $0Extraordinary gains - net
  • -$268Net income attributable to bank
  • $0Net charge-offs
  • -$268Cash dividends
  • $154Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 4.32%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 5.23%Noninterest expense to earning assets
  • -1.10%Net operating income to assets
  • -1.10%Return on assets (ROA)
  • -1.10%Pretax return on assets
  • -11.24%Return on equity (ROE)
  • -11.24%Retained earnings to average equity (YTD only)
  • 0.85%Net charge-offs to loans
  • 114.29%Credit loss provision to net charge-offs
  • -0.60%Efficiency ratio
  • 108,967Assets per employee
  • 2.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 77.12%Noncurrent assets plus other real estate owned to assets
  • 3.55%Noncurrent loans to loans
  • 1.34%Net loans and leases to deposits
  • 80.25%Net loans and leases to core deposits
  • 88.93%Equity capital to assets
  • 9.27%Core capital (leverage) ratio
  • 7.85%Tier 1 risk-based capital ratio
  • 10.80%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $24,314Average earning assets
  • $2,384Average equity
  • $21,388Average loans

List of branches

  • 2 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03413The First National Bank Of Buhl121 State Street, Buhl, MN 55713Febuary 01, 1902Full Service Brick and Mortar
    1441882Mt. Iron Branch5474 Mountain Iron Drive, Mountain Iron, MN 55768January 18, 2005Full Service Brick and Mortar

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