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

The First National Bank of McIntosh - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 5Total employees (full-time equivalent)
  • $25,979Total assets
  • $10,889Cash and due from depository institutions
  • $9,058Interest-bearing balances
  • $4,772Securities
  • $830Federal funds sold & reverse repurchase agreements
  • $9,257Net loans & leases
  • $241Loan loss allowance
  • $0Trading account assets
  • $62Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $25,979Life insurance assets
  • $169All other assets
  • $19,332Total liabilities and capital
  • $19,283Total liabilities
  • $15,725Total deposits
  • $19,283Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $49Subordinated debt
  • $6,647All other liabilities
  • $6,647Total equity capital
  • $6,647Total bank equity capital
  • $0Perpetual preferred stock
  • $39Common stock
  • $150Surplus
  • $6,458Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $165Income earned, not collected on loans
  • $0Earning assets
  • $138Long-term assets (5+ years)
  • $23,917Average Assets, year-to-date
  • $1,086Average Assets, quarterly
  • $25,280Volatile liabilities
  • $25,324Insider loans
  • $10,634FHLB advances
  • $25,054Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,647Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,317Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $662Total interest income
  • $156Total interest expense
  • $506Net interest income
  • $0Provision for loan and lease losses
  • $92Total noninterest income
  • $0Fiduciary activities
  • $26Service charges on deposit accounts
  • $0Trading account gains & fees
  • $66Additional noninterest income
  • $472Total noninterest expense
  • $263Salaries and employee benefits
  • $32Premises and equipment expense
  • $177Additional noninterest expense
  • $126Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $126Income before extraordinary items
  • $0Extraordinary gains - net
  • $126Net income attributable to bank
  • $0Net charge-offs
  • $126Cash dividends
  • $51Sale, conversion, retirement of capital stock, net
  • $98Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.77%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 2.12%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 1.98%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.50%Pretax return on assets
  • 1.90%Return on equity (ROE)
  • 0.42%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 2.47%Efficiency ratio
  • 78,930Assets per employee
  • 5.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.78%Loss allowance to loans
  • 2.54%Loss allowance to noncurrent loans
  • 146.06%Noncurrent assets plus other real estate owned to assets
  • 0.64%Noncurrent loans to loans
  • 1.74%Net loans and leases to deposits
  • 48.01%Net loans and leases to core deposits
  • 50.89%Equity capital to assets
  • 25.59%Core capital (leverage) ratio
  • 26.53%Tier 1 risk-based capital ratio
  • 62.51%Total risk-based capital ratio
  • Memoranda
  • $64Average assets
  • $25,280Average earning assets
  • $6,623Average equity
  • $23,871Average loans

List of branches

  • 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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