The First National Bank of McIntosh in Mcintosh, Minnesota (MN)

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The First National Bank of McIntosh routing number info

Table of contents:
The First National Bank of McIntosh
GeneralFDIC Certificate #: 5196
Status: Active
Federal Reserve ID: 988256
Date Established: August 22, 1889
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: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 3485
Numeric code: 3
Regulator: OCC
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: No
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
LocationAddress: 260 Cleveland Ave. Sw, Mcintosh, MN 56556
County: Polk
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
Metropolitan Statistical Area (MSA): Grand Forks, ND-MN (#2985)
Core Based Statistical Area (CBSA): Grand Forks, ND-MN (#24220)
CBSA Metro Statistical Area: Grand Forks, ND-MN (#24220)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $26.0 mil
Equity capital: $6.6 mil
Deposits held in domestic offices: $19.3 mil
Return on assets (ROA): 0.50% ($0.1 mil)
Quarterly return on assets: 0.65% ($0.2 mil)
Return on Equity (ROE): 1.90% ($0.1 mil)
Quarterly return on equity: 2.47% ($0.2 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.50% ($129.9 mil)
Quarterly Pretax return on assets: 0.65% ($168.9 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)
Total employees (full-time equivalent)5
Total assets$25,979
Cash and due from depository institutions$10,889
Interest-bearing balances$9,058
Federal funds sold & reverse repurchase agreements$830
Net loans & leases$9,257
Loan loss allowance $241
Trading account assets$0
Bank premises and fixed assets$62
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$169
Life insurance assets$25,979
Total liabilities and capital$19,332
Total liabilities$19,283
Total deposits$15,725
Interest-bearing deposits$19,283
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $49
All other liabilities $6,647
Total equity capital$6,647
Total bank equity capital$6,647
Perpetual preferred stock$0
Common stock$39
Undivided profits $6,458
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 $165
Earning assets $0
Long-term assets (5+ years) $138
Average Assets, year-to-date $23,917
Average Assets, quarterly $1,086
Volatile liabilities $25,280
Insider loans $25,324
FHLB advances $10,634
Loans and leases held for sale $25,054
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,647
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,317
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $662
Total interest expense $156
Net interest income $506
Provision for loan and lease losses $0
Total noninterest income $92
Fiduciary activities $0
Service charges on deposit accounts $26
Trading account gains & fees $0
Additional noninterest income $66
Total noninterest expense $472
Salaries and employee benefits $263
Premises and equipment expense $32
Additional noninterest expense $177
Pre-tax net operating income $126
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $126
Extraordinary gains - net $0
Net income attributable to bank $126
Net charge-offs $0
Cash dividends $126
Sale, conversion, retirement of capital stock, net $51
Net operating income $98
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets2.77%
Cost of funding earning assets 0.65%
Net interest margin 2.12%
Noninterest income to earning assets 0.39%
Noninterest expense to earning assets 1.98%
Net operating income to assets 0.50%
Return on assets (ROA) 0.50%
Pretax return on assets 0.50%
Return on equity (ROE) 1.90%
Retained earnings to average equity (YTD only) 0.42%
Net charge-offs to loans 0.56%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio2.47%
Assets per employee$78,930
Cash dividends to net income (YTD only)5.20%
Condition Ratios (%)
Loss allowance to loans 77.78%
Loss allowance to noncurrent loans 2.54%
Noncurrent assets plus other real estate owned to assets 146.06%
Noncurrent loans to loans 0.64%
Net loans and leases to deposits1.74%
Net loans and leases to core deposits 48.01%
Equity capital to assets 50.89%
Core capital (leverage) ratio 25.59%
Tier 1 risk-based capital ratio 26.53%
Total risk-based capital ratio 62.51%
Average assets$64
Average earning assets$25,280
Average equity $6,623
Average loans $23,871
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1 Minnesota Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03485The First National Bank Of Mcintosh260 Cleveland Ave. Sw, Mcintosh, MN 56556August 22, 1889Full Service Brick and Mortar
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