NINTH FEDERAL RESERVE DISTRICT, BANK DIRECTORY, BY STATE DATA FOR DECEMBER 31, 1994 (SOME COLUMNS ARE HIDDEN) Loan Portfolio Performance Ratios Loan Categories as a Percent of Total Loans NORTH DAKOTA Total Capital Total Loans Return Net Non-Curre Assets (in as a % of (in thousands Commercial Total Loans: Real Loans to Other on Average Return onInterest Loans to Loans to Bank Name City thousands of $) Assets of $) & Industrial Agricultural Estate Individua Loans Assets Equity Margin Deposits Total Loa NORWEST BK ND NA FARGO 1,136,311 6.1 759,543 21.4 15.7 31.9 27.7 3.2 1.5 25.5 4.5 75.4 0.2 FIRST BK ND NA FARGO 880,897 9.9 669,065 17.7 2.1 66.0 12.2 1.9 1.0 9.0 5.7 90.2 0.4 FIRST NB NORTH DAKOTA GRAND FORKS 444,777 6.5 313,411 21.4 21.6 39.6 16.6 0.7 1.0 15.6 4.4 79.6 1.0 FIRST AMERICAN BK WEST MINOT 315,605 7.5 145,861 20.7 31.0 36.9 6.6 4.8 1.3 17.7 4.0 55.8 0.6 STATE BK OF FARGO FARGO 213,330 6.6 152,124 22.8 2.5 48.4 11.8 14.5 0.9 13.7 4.5 77.4 0.2 FIRST INTERNATIONAL B&TC WATFORD CITY 205,758 7.6 138,180 21.7 30.8 24.0 22.5 1.0 1.0 13.4 5.0 76.3 0.3 COMMUNITY FIRST NB FARGO 173,347 7.0 123,766 24.3 0.9 47.8 24.2 2.8 1.5 21.7 5.3 86.1 0.1 FIRST AMERICAN BK VALLEY GRAND FORKS 164,312 9.4 72,152 26.6 16.8 34.8 16.9 4.8 0.2 1.4 3.8 60.4 0.1 FIRST WESTERN B&TC MINOT 153,697 10.1 77,700 34.8 19.1 25.8 19.4 0.9 1.2 13.0 4.8 58.7 0.4 AMERICAN ST B&TC OF WILLISTON WILLISTON 148,055 8.0 79,233 23.7 31.5 14.5 29.8 0.5 1.4 17.2 5.0 58.0 0.3 FIRST AMERICAN B&TC GRAFTON GRAFTON 112,198 7.1 54,039 18.3 48.4 19.6 10.0 3.7 1.2 17.2 3.9 58.8 0.2 FIRST NB&TC OF WILLISTON WILLISTON 110,460 10.3 34,345 28.5 27.6 28.9 12.7 2.2 1.3 13.5 4.0 37.7 1.3 STUTSMAN COUNTY ST BK JAMESTOWN 96,217 11.6 69,834 18.7 24.1 26.8 26.8 3.6 1.5 13.7 4.9 81.3 0.3 FIRST AMERICAN BK ND LISBON 90,990 10.2 51,968 13.8 48.3 30.7 5.9 1.3 1.4 13.9 4.7 72.9 0.2 RAMSEY NB&TC OF DEVILS LAKE DEVILS LAKE 88,588 7.6 52,767 15.5 28.7 49.0 5.6 1.2 1.1 11.6 5.4 63.9 3.0 COMMUNITY FIRST NB&TC DICKINSON 87,126 6.2 55,450 30.9 6.7 27.0 33.5 1.9 1.5 24.0 4.8 73.2 0.1 FIRST NB&TC OF BOTTINEAU BOTTINEAU 86,884 10.3 28,129 13.1 56.0 19.5 11.0 0.4 1.5 14.9 4.3 36.6 0.3 SECURITY ST BK OF ND HANNAFORD 85,381 8.4 61,372 16.1 70.1 5.9 7.1 0.9 0.9 11.2 5.4 83.9 0.0 LIBERTY B&TC NA DICKINSON 79,410 11.1 33,681 27.3 32.7 16.8 23.2 0.0 1.6 13.6 5.3 48.1 0.2 COMMUNITY NB GRAND FORKS GRAND FORKS 77,294 8.7 39,310 33.2 0.0 24.9 41.7 0.2 1.3 14.5 5.6 54.7 0.3 BANK CENTER FIRST BISMARCK 70,988 7.6 47,427 24.6 6.8 50.9 15.4 2.3 1.4 18.2 5.6 72.8 0.1 CITIZENS ST BK PEMBINA C CAVALIER 64,659 9.6 40,660 21.4 58.9 11.6 7.7 0.4 1.3 13.2 4.9 74.7 0.3 FIRST SOUTHWEST BK MANDAN MANDAN 62,498 8.1 41,835 33.0 9.0 40.9 14.0 3.2 1.4 17.0 5.3 72.8 0.1 BISMARCK NB BISMARCK 61,657 7.9 46,689 35.6 13.1 35.8 13.3 2.2 1.3 14.5 7.0 91.3 0.0 FIRST BK LANGDON LANGDON 58,938 8.3 31,377 15.3 52.1 17.5 9.3 5.7 1.1 13.4 4.0 62.8 0.6 AMERICAN ST B&TC OF DICKINSON DICKINSON 56,915 9.4 31,217 24.6 43.4 11.1 15.9 5.1 1.5 17.1 5.2 60.0 0.6 FIRST NB OF DEVILS LAKE DEVILS LAKE 55,012 11.1 28,639 22.0 26.1 43.0 7.6 1.2 1.2 10.9 4.8 60.4 0.6 FIRST ST BK OF HARVEY HARVEY 54,991 10.0 19,397 27.4 45.4 16.9 10.3 0.0 1.4 14.9 4.3 39.5 1.4 FIRST NB OF VALLEY CY VALLEY CITY 53,835 6.9 38,118 16.4 48.7 19.6 14.2 1.1 1.3 18.0 4.7 82.3 0.4 WESTERN ST BK DEVILS LAKE 53,397 7.8 39,511 13.4 17.6 13.0 27.4 28.6 1.3 15.6 5.3 81.6 1.5 FIRST NB OF LINTON LINTON 52,523 8.4 37,809 23.2 36.0 31.7 5.8 3.3 1.3 16.3 4.5 82.8 0.2 MCINTOSH COUNTY BK ASHLEY 52,389 13.6 25,050 9.1 80.6 4.6 4.7 1.0 1.2 9.2 4.3 53.5 0.6 FARMERS & MERCHANTS BK OF VC VALLEY CITY 52,377 10.8 36,691 17.8 49.9 21.1 7.2 3.9 1.9 17.6 5.8 80.1 0.0 STATE B&TC KENMARE KENMARE 51,886 15.9 24,688 18.4 48.5 25.8 6.6 0.6 1.7 11.7 4.6 58.3 0.0 SARGENT COUNTY BK FORMAN 48,649 17.4 22,473 10.4 65.1 14.4 6.0 4.1 2.0 9.4 5.7 55.0 0.3 FIRST ST BK ROLLA ROLLA 47,463 7.4 17,430 14.8 39.7 25.9 18.5 1.2 1.0 14.4 3.4 38.8 0.3 FIRST ST BK OF MUNICH MUNICH 46,283 12.0 22,936 7.1 83.4 4.0 4.5 1.0 0.9 8.1 4.3 56.5 0.0 FARMERS ST BK OF CROSBY CROSBY 45,850 16.4 12,103 12.3 71.2 8.3 7.8 0.3 1.1 7.5 4.1 30.6 0.8 MERCHANTS BK RUGBY 45,134 15.3 10,156 9.7 62.5 18.0 9.7 0.1 1.6 11.0 5.0 25.8 0.1 GARRISON ST BK GARRISON 44,425 11.5 20,300 6.3 71.8 12.7 7.3 1.8 1.2 10.6 4.3 51.5 0.9 SCANDIA AMERICAN BK STANLEY 43,558 20.4 16,181 15.0 60.8 12.6 7.2 4.3 1.9 9.8 4.7 45.4 1.1 UNION ST BK OF HAZEN HAZEN 42,558 11.1 19,894 15.3 39.0 20.6 23.9 1.2 1.2 11.0 5.1 52.0 0.5 LAKESIDE ST BK NEW TOWN 41,813 12.1 15,485 23.2 42.3 17.2 13.0 4.3 1.2 10.6 4.4 41.9 0.2 BANK OF BEULAH BEULAH 41,788 8.3 22,728 3.7 14.7 78.4 3.2 0.0 1.6 19.3 5.7 59.2 6.9 CITIZENS ST BK ENDERLIN 40,398 8.6 28,873 3.7 79.3 8.1 8.6 0.3 1.4 16.1 4.5 78.7 0.8 BANK OF TIOGA TIOGA 40,357 12.8 13,876 13.2 49.5 22.6 14.5 0.2 1.4 12.0 4.6 39.9 0.6 FIRST ST BK OF CAVALIER CAVALIER 38,727 7.2 24,019 12.1 55.5 16.3 12.2 3.8 1.3 17.6 4.6 72.6 0.8 FIRST ST BK OF CASSELTON CASSELTON 37,205 11.9 20,207 4.0 80.8 11.6 3.2 0.3 1.4 11.5 4.7 60.8 0.0 STATE BK WEST FARGO WEST FARGO 36,936 7.3 25,876 19.0 30.6 38.9 11.5 0.1 1.3 17.4 5.3 75.5 0.4 FIRST ST BK OF LA MOURE LA MOURE 36,864 8.4 25,076 8.8 76.8 6.5 2.7 5.1 1.9 22.1 4.4 91.9 0.1 BANK OF STEELE STEELE 36,152 10.4 19,296 11.8 61.8 16.3 2.6 7.4 1.3 12.4 4.5 63.2 0.4 STOCK GROWERS BK NAPOLEON 35,997 20.3 13,084 9.0 71.2 14.3 4.1 1.3 1.9 9.3 5.0 44.5 0.1 WALHALLA ST BK WALHALLA 35,883 10.5 20,646 19.4 45.9 16.8 7.1 10.8 1.5 13.6 5.2 72.9 0.9 DAKOTA WESTERN BK BOWMAN 35,869 9.6 19,520 8.7 62.0 21.5 7.5 0.3 1.2 12.1 4.6 60.2 1.0 FIRST ST BK OF CANDO CANDO 35,489 8.5 17,853 8.0 65.5 17.9 7.5 1.2 1.5 20.0 4.1 55.4 0.0 GOOSE RIVER BK MAYVILLE 35,336 9.0 20,449 20.5 40.1 23.5 13.8 2.1 1.2 13.8 4.8 64.4 1.4 FIRST NB OF OAKES OAKES 34,862 7.8 21,969 15.1 49.2 21.3 9.3 5.1 1.2 14.6 4.6 69.8 0.0 FIRST NB&TC OF ELLENDALE ELLENDALE 33,894 8.2 22,303 9.5 71.7 13.0 4.2 1.6 1.4 15.0 4.9 74.4 2.3 PEOPLES B&TC PARSHALL 33,650 12.3 14,595 3.1 89.5 3.1 4.3 0.0 1.5 12.7 4.7 53.7 0.7 FARMERS & MERCHANTS BK BEACH 33,520 11.6 25,973 30.7 31.6 31.1 3.5 3.1 1.4 12.4 5.0 88.9 0.4 FIRST ST BK OF PARK RIVER PARK RIVER 33,059 8.4 20,975 14.2 54.5 16.0 13.9 1.4 1.5 17.9 5.3 71.4 0.4 SECURITY ST BK WISHEK ND WISHEK 32,718 10.6 14,443 15.7 72.8 6.1 5.2 0.2 1.3 12.8 4.6 47.0 0.7 SECURITY BK OF HEBRON HEBRON 32,216 9.6 25,666 10.2 79.6 4.0 6.0 0.2 1.0 10.9 5.6 89.7 0.1 STATE BK OF LAKOTA LAKOTA 32,200 11.1 11,513 16.6 56.1 11.0 9.0 7.3 1.0 9.5 4.6 42.9 0.1 DRAYTON ST BK DRAYTON 31,559 7.7 17,324 18.8 55.3 7.4 17.9 0.6 0.1 1.4 4.3 58.9 1.9 COMMERCIAL BK OF MOTT MOTT 31,231 12.1 19,679 6.7 75.4 7.6 9.9 0.4 1.6 14.8 4.6 71.7 1.2 FIRST AMERICAN BK LARIMORE LARIMORE 30,905 10.5 15,346 5.9 62.6 24.6 6.4 0.5 1.7 16.8 4.9 58.3 0.1 FARMERS & MERCHANTS ST BK TOLNA 30,671 13.4 13,558 3.7 86.3 3.3 6.6 0.0 1.1 8.7 4.1 49.6 0.3 PEOPLES ST BK WESTHOPE 30,486 9.7 11,733 11.0 73.1 9.4 5.6 0.9 1.3 13.7 4.3 43.8 0.3 FIRST ST BK OF ND ARTHUR 30,391 11.4 20,331 12.5 76.2 6.4 4.6 0.2 1.1 10.4 5.1 76.9 0.4 STATE BK OF TOWNER TOWNER 30,323 8.5 14,313 10.6 75.6 9.5 3.5 0.8 0.1 1.6 1.1 51.7 2.0 FIRST SOUTHWEST BK BISMARCK BISMARCK 30,224 9.5 20,331 26.3 2.0 63.9 7.8 0.0 0.4 4.7 3.8 76.2 0.0 NATIONAL BK OF HARVEY HARVEY 30,046 10.0 18,743 33.4 52.4 7.4 5.3 1.5 1.6 16.1 4.9 74.2 1.4 STATE BK OF BOTTINEAU BOTTINEAU 29,770 9.5 18,196 24.2 49.4 15.8 10.6 0.0 1.1 12.4 4.5 70.5 1.1 KIRKWOOD B&TC BISMARCK 29,198 8.3 18,408 59.2 3.6 23.3 13.1 0.7 1.3 16.0 5.8 69.5 0.6 STRASBURG ST BK STRASBURG 28,278 10.3 16,039 8.0 72.1 14.3 5.5 0.1 1.5 15.0 5.3 63.9 0.0 FIRST & FARMERS BK PORTLAND 27,964 11.9 10,012 9.9 48.0 22.4 8.7 11.0 0.8 7.3 3.9 45.4 1.0 FIRST NB BOWBELLS 27,032 11.7 11,996 16.3 50.0 22.5 11.2 0.1 0.3 2.4 4.1 49.3 2.2 FARMERS & MERCHANTS ST BK LANGDON 26,454 13.3 15,320 14.1 56.8 11.8 15.0 2.2 1.6 11.9 5.0 67.7 3.4 CITIZENS ST BK OF FINLEY FINLEY 26,288 10.1 15,570 17.7 59.0 15.9 6.9 0.6 1.1 11.3 4.5 67.2 0.3 FIRST NB OF HETTINGER HETTINGER 26,126 8.0 9,611 12.6 52.0 20.8 12.2 2.4 1.3 19.6 4.1 39.9 0.7 SECURITY ST BK DUNSEITH 25,511 10.2 11,958 16.3 41.6 20.0 21.9 0.1 1.5 15.1 5.3 56.2 0.3 FARMERS SECURITY BK WASHBURN 24,906 11.0 12,759 11.4 44.4 28.8 14.8 0.7 1.0 10.0 4.6 60.1 0.9 CITIZENS ST BK OF LANKIN LANKIN 24,392 12.9 11,694 6.0 74.3 5.7 13.8 0.1 1.3 10.4 4.8 52.4 0.2 PEOPLES ST BK OF VELVA VELVA 24,079 13.8 6,619 5.1 58.5 16.3 12.2 7.9 0.6 4.5 3.8 31.1 0.0 FIRST ST BK BUXTON 23,971 9.7 10,940 8.5 66.6 13.0 10.0 1.9 1.2 14.0 4.1 49.7 0.8 FIRST NB OF MILNOR MILNOR 23,546 16.8 10,367 8.3 62.5 16.7 11.3 1.2 1.5 8.9 5.2 52.0 0.0 TOWNER COUNTY ST BK CANDO 23,466 9.6 13,228 11.6 63.7 17.5 6.4 0.7 1.2 12.8 4.5 61.3 0.7 LINCOLN ST BK HANKINSON 23,427 15.5 7,403 20.7 65.9 5.2 8.3 0.0 0.9 6.3 5.0 36.3 1.8 WEST RIVER ST BK HETTINGER 23,082 9.1 12,504 12.0 70.6 7.9 8.8 0.7 1.1 12.3 4.8 57.9 0.1 FIRST NB OF MCCLUSKY MCCLUSKY 22,710 13.0 10,276 5.6 75.6 5.6 12.2 1.0 0.8 6.5 4.2 52.1 6.6 FIRST ST BK OF GACKLE GACKLE 22,423 15.2 10,170 1.4 92.5 0.9 5.1 0.0 1.3 8.8 4.5 52.7 0.1 FIRST ST BK OF SHARON SHARON 21,605 11.4 12,421 8.7 80.1 1.5 9.6 0.2 1.2 9.8 4.9 62.6 0.4 GRANT COUNTY ST BK CARSON 21,513 7.9 12,755 6.0 79.1 7.8 6.6 0.6 1.3 17.9 4.5 67.9 0.3 FIRST NB OF BELFIELD BELFIELD 21,500 9.6 13,690 13.4 70.9 7.2 8.5 0.0 1.5 15.7 5.5 73.4 0.5 SECURITY ST BK OF NEW SALEM NEW SALEM 21,467 8.7 9,884 7.8 73.8 10.3 8.0 0.1 1.6 18.7 5.0 56.4 0.0 MCKENZIE COUNTY BK WATFORD CITY 20,031 8.1 9,867 12.7 40.8 30.1 14.7 1.7 0.5 6.3 3.4 56.6 0.8 CITIZENS ST BK MOHALL 19,939 13.3 7,999 31.9 48.6 14.2 5.2 0.2 1.4 11.4 4.6 43.6 1.1 BANK OF GLEN ULLIN GLEN ULLIN 19,818 13.7 6,708 10.0 66.1 18.2 5.7 0.0 1.1 8.9 4.2 38.5 0.0 ROLETTE ST BK ROLETTE 18,813 8.6 9,676 15.4 51.4 10.2 6.9 16.1 1.1 14.5 4.4 55.8 0.1 FARMERS ST BK OF LEEDS LEEDS 18,203 6.7 11,394 12.1 63.3 10.6 8.4 5.5 0.9 11.8 5.5 71.8 0.1 FIRST SECURITY BK UNDERWOOD UNDERWOOD 17,525 10.0 6,985 8.7 50.4 15.4 22.1 3.4 1.0 10.8 4.6 43.8 0.3 UNION BK HALLIDAY 17,515 8.0 11,643 8.6 44.6 18.8 26.8 1.2 1.1 13.0 4.8 70.6 0.4 BANK OF TURTLE LAKE TURTLE LAKE 17,353 11.8 6,263 11.6 73.9 12.2 2.2 0.1 0.8 7.0 4.1 40.0 2.3 UNITED COMMUNITY BK BURLINGTON 17,346 9.6 8,041 12.2 53.4 15.7 18.4 0.3 0.2 2.5 3.2 50.5 0.1 LIBERTY ST BK POWERS LAKE 17,049 13.4 10,304 15.2 65.6 7.1 10.5 1.6 1.8 13.7 5.4 75.1 0.0 FIRST ST BK OF WILTON WILTON 16,784 9.0 7,489 17.7 53.1 20.4 7.9 0.9 1.0 11.9 4.4 48.7 0.0 SECURITY ST BK OF HUNTER HUNTER 16,718 10.3 11,125 14.8 69.4 7.1 7.9 0.8 1.3 12.1 5.5 75.0 0.0 BANK OF HAZELTON HAZELTON 16,461 10.3 9,342 16.4 55.2 17.8 4.3 6.2 1.2 11.9 5.1 63.5 0.8 KINDRED ST BK KINDRED 16,272 8.5 9,314 10.2 17.7 13.5 58.3 0.2 0.9 11.2 4.6 62.9 0.5 FARMERS & MERCHANTS NB HATTON 16,252 10.5 7,929 8.2 65.4 11.2 15.0 0.2 1.1 10.8 4.6 54.9 0.4 SECURITY SB OF EDGELEY EDGELEY 15,833 9.2 9,219 9.7 63.5 17.4 8.0 1.4 1.2 13.9 4.8 69.1 2.3 BANK OF MINTO MINTO 15,715 9.5 8,573 20.1 69.6 3.5 6.8 0.0 1.1 12.6 4.7 59.5 4.7 CITIZENS ST BK PETERSBURG 15,127 11.0 4,987 19.4 61.7 13.1 5.8 0.0 0.6 4.3 3.1 37.9 0.0 UNION ST BK OF FARGO FARGO 14,742 8.5 7,488 30.3 0.9 35.1 32.3 1.3 1.3 13.8 5.6 54.5 0.6 STATE BK OF OLIVER COUNTY CENTER 14,651 11.2 8,187 15.5 41.5 21.3 21.6 0.1 1.4 12.6 4.9 64.0 0.0 LITCHVILLE ST BK LITCHVILLE 14,549 6.9 8,342 20.3 56.7 19.1 2.7 1.1 1.4 18.6 4.1 67.9 0.0 FIRST ST BK NEW LEIPZIG NEW LEIPZIG 14,407 13.4 9,632 5.3 86.4 5.6 2.6 0.0 0.9 7.4 5.3 76.6 2.8 FIRST ST BK OF HOPE HOPE 13,975 9.1 7,226 12.8 73.2 7.9 5.9 0.2 1.3 14.8 4.6 56.5 0.2 FIRST ST BK OF GOODRICH GOODRICH 13,949 10.0 5,461 2.1 91.9 0.8 5.1 0.2 0.9 8.1 3.9 41.5 1.8 HARWOOD ST BK HARWOOD 13,642 13.9 7,770 17.3 56.5 19.5 6.7 0.0 0.9 6.5 4.7 64.7 3.9 FIRST ST BK OF GOLVA GOLVA 13,600 8.9 7,276 8.8 69.4 9.7 12.1 0.0 1.2 14.1 4.3 59.2 0.1 SECURITY ST BK OF ROBINSON ROBINSON 13,537 10.9 7,949 7.5 80.3 7.8 4.3 0.1 0.8 8.5 4.6 64.5 1.3 FARMERS ST BK ELGIN 13,165 12.0 6,849 8.8 66.7 17.8 6.5 0.2 1.1 9.8 5.0 57.2 0.0 KULM ST BK KULM 12,618 10.8 4,667 10.3 76.9 6.2 5.1 1.5 0.9 8.9 4.8 40.9 2.1 SECURITY ST BK OF ADAMS ADAMS 12,600 8.3 6,968 7.9 75.5 9.6 6.9 0.0 0.9 11.0 4.1 63.1 0.7 MCVILLE ST BK MCVILLE 12,587 11.4 6,269 8.1 71.8 11.8 6.5 1.8 0.9 7.9 4.6 56.5 0.0 STATE BK OF MARION MARION 12,077 8.6 5,550 6.3 71.0 10.1 10.8 1.8 0.7 8.8 4.8 51.8 2.0 BANK OF HAMILTON HAMILTON 11,068 12.7 3,512 12.8 55.9 16.0 15.1 0.3 1.0 8.1 4.5 35.5 0.2 STATE BK OF STREETER STREETER 9,612 13.7 5,773 4.8 89.5 0.2 5.5 0.0 1.5 11.8 4.0 76.3 0.0 LAMBS BK OF MICHIGAN MICHIGAN 9,488 8.9 4,408 19.4 64.0 7.8 7.9 0.9 0.5 5.6 2.0 51.1 0.6 FINGAL ST BK FINGAL 8,812 10.6 4,448 3.5 52.9 18.2 10.4 15.0 0.9 8.2 4.3 60.3 1.1 PEOPLES ST BK FAIRMOUNT ND FAIRMOUNT 8,801 9.4 3,882 10.9 29.8 34.2 18.4 6.7 1.3 11.9 4.7 45.8 1.5 PAGE ST BK PAGE 6,118 10.9 4,195 23.5 51.8 20.6 4.1 0.1 0.3 3.0 4.8 78.2 0.0 FARMERS ST BK OF YPSILANTI YPSILANTI 3,710 19.6 588 31.8 29.1 30.6 8.3 0.2 (0.1) (0.7) 2.7 18.8 0.7