BANK OF NORTH DAKOTA BALANCE SHEETS DECEMBER 31,
BANK OF NORTH DAKOTABALANCE SHEETSDECEMBER 31, 2019 and 2018Unaudited(In Thousands)2019CASH AND DUE FROM ,1261,912,743LOANSLESS: ALLOW. FOR LOAN ,8365,089,092567,3524,202,4674,769,819FEDERAL FUNDS PURCHASED ANDREPURCHASE AGREEMENTS365,335271,505SHORT AND LONG-TERM 39,027861,8847,058,4327,015,834FFS & SEC PURCH UNDER REPOSOTHER ASSETSTOTAL ASSETSDEPOSITSNON-INTEREST BEARINGINTEREST BEARINGOTHER LIABILITIESTOTAL LIABILITIESEQUITYTOTAL LIAB. AND EQUITY
BANK OF NORTH DAKOTASTATEMENTS OF INCOMEDECEMBER 31, 2019 and 2018Unaudited(In Thousands)20192018INTEREST INCOMEFEDERAL FUNDS SOLDSECURITIESLOANSINTEREST EXPENSEDEPOSITSFEDERAL FUNDS PURCHASED ANDREPURCHASE AGREEMENTSSHORT AND LONG-TERM DEBTNET INTEREST INCOMEPROVISION FOR LOAN LOSSESNET INTEREST INCOME AFTERPROV FOR LOAN LOSSESNONINTEREST INCOMENONINTEREST EXPENSESALARIES AND BENEFITSDATA PROCESSINGOCCUPANCY AND EQUIPMENTOTHER OPERATING EXPENSESNET 169,049158,508
Bank of North Dakota is pleased to provide its risk-based capital ratios as of December31, 2019. You will notice Bank of North Dakota exceeds the capital ratios necessary toqualify as a “well-capitalized” bank per regulatory guidance.Risk-Based Capital Ratio:Leverage RatioTier One Risk-Based Capital RatioTotal Risk-Based Capital RatioBank ofNorth Dakota13.60%20.94%22.20%Well Capitalizedper Guidance5.00%8.00%10.00%Bank of North Dakota is committed to exceeding the ratios for a “well-capitalized”correspondent and will provide your institution with updated capital and leverage ratioson a quarterly basis.We have also included additional financial information to assist you in analyzing thefinancial condition and performance of Bank of North Dakota on the following page.
Tier One CapitalTotal Risk Based Capital(Dollar Amounts in Thousands)12/31/201912/31/2018 940,682 508Average Assets6,854,3706,743,489Average Equity908,756874,7564,537,9434,584,233Past Due Loans75,46780,972Nonperforming Loans18,05726,006Allowance for Loan Losses95,69092,750Return on Average Assets (Annualized)2.47%2.35%Return on Average Equity (Annualized)18.60%18.12%Past Due Loans/Total Loans1.66%1.77%Nonperforming Loans/Total Loans0.40%0.57%Allowance for Loan Losses/Total Loans2.11%2.02%Total Risk Weighted AssetsNet Income (Annualized)Total Gross Loans
Bank of North Dakota - FDIC Certificate Number: 90374Board of Governors of the Federal Reserve SystemFederal Deposit Insurance CorporationOffice of the Comptroller of the CurrencyOMB Number: 7100-0036OMB Number: 3064-0052OMB Number: 1557-0081Approval expires July 31, 2022Page 1 of 85Federal Financial Institutions Examination CouncilConsolidated Reports of Condition and Income fora Bank with Domestic Offices Only—FFIEC 041Report at the close of business December 31, 2019(20191231)This report is required by law: 12 U.S.C. §324 (State member banks);12 U.S.C. §1817 (State nonmember banks); 12 U.S.C. §161(National banks); and 12 U.S.C §1464 (Savings associations).Unless the context indicates otherwise, the term "bank" in this reportform refers to both banks and savings associations.This report form is to be filed by banks with domestic offices only andtotal consolidated assets of less than 100 billion, except those banksthat file the FFIEC 051.NOTE: Each bank’s board of directors and senior management areresponsible for establishing and maintaining an effective system ofinternal control, including controls over the Reports of Condition andIncome. The Reports of Condition and Income are to be prepared inaccordance with federal regulatory authority instructions. The Reportsof Condition and Income must be signed by the Chief FinancialOfficer (CFO) of the reporting bank (or by the individual performing anequivalent function) and attested to by not less than two directors(trustees) for state nonmember banks and three directors for statemember banks, national banks, and savings associations.We, the undersigned directors (trustees), attest to the correctness ofthe Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition andIncome have been examined by us and to the best of our knowledgeand belief have been prepared in conformance with the instructionsissued by the appropriate Federal regulatory authority and are trueand correct.(RCON 9999)I, the undersigned CFO (or equivalent) of the named bank, attestthat the Reports of Condition and Income (including the supportingschedules) for this report date have been prepared in conformancewith the instructions issued by the appropriate Federal regulatoryauthority and are true and correct to the best of my knowledgeand belief.Governor Doug BurgumDirector (Trustee)Attorney General Wayne StenehjemDirector (Trustee)Ag Commissioner Doug GoehringDirector (Trustee)Signature of Chief Financial Officer (or Equivalent)Date of SignatureSubmission of ReportsEach bank must file its Reports of Condition and Income (Call Report)data by either:(a) Using computer software to prepare its Call Report and thensubmitting the report data directly to the FFIEC’s Central DataRepository (CDR), an Internet-based system for data collection(https://cdr.ffiec.gov/cdr/), or(b)Completing its Call Report in paper form and arranging with asoftware vendor or another party to convert the data into the electronic format that can be processed by the CDR. The softwarevendor or other party then must electronically submit the bank’sdata file to the CDR.For technical assistance with submissions to the CDR, pleasecontact the CDR Help Desk by telephone at (888) CDR-3111, byfax at (703) 774-3946, or by e-mail at CDR.Help@ffiec.gov.FDIC Certificate Number9 0 3 7 4(RSSD 9050)To fulfill the signature and attestation requirement for the Reportsof Condition and Income for this report date, attach your bank’scompleted signature page (or a photocopy or a computer generatedversion of this page) to the hard-copy record of the data file submittedto the CDR that your bank must place in its files.The appearance of your bank’s hard-copy record of the submitteddata file need not match exactly the appearance of the FFIEC’ssample report forms, but should show at least the caption of eachCall Report item and the reported amount.Bank of North DakotaLegal Title of Bank (RSSD 9017)BismarckCity (RSSD 9130)NDState Abbrev. (RSSD 9200)58506ZIP Code (RSSD 9220)Legal Entity Identifier (LEI) 54930047TZ2DPGOO5R28(Report only if your institution already has an LEI.) (RCON 9224)The estimated average burden associated with this information collection is 53.72 hours per respondent and is expected to vary by institution, depending on individual circumstances. Burdenestimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling andmaintaining business records in the normal course of a respondent’s activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to acollection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden should bedirected to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors of the FederalReserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC 20219; Assistant ExecutiveSecretary, Federal Deposit Insurance Corporation, Washington, DC 20429.
Bank of North Dakota - FDIC Certificate Number: 90374FFIEC 041Page 2 of 85Consolidated Reports of Condition and Income for a Bankwith Domestic Offices OnlyTable of ContentsSignature Page.1Schedule RC-E—Deposit Liabilities.RC-17, 18, 19Contact Information.3, 4Schedule RC-F—Other Assets.RC-20Report of IncomeSchedule RC-G—Other Liabilities.RC-20Schedule RI—Income Statement.RI-1, 2, 3, 4Schedule RC-K—Quarterly Averages.RC-21, 22Schedule RI-A—Changes in Bank Equity Capital.RI-5Schedule RC-L—Derivatives andOff-Balance Sheet Items.RC-23, 24, 25, 26Schedule RI-B—Charge-offs and Recoveries onLoans and Leases and Changes in Allowancesfor Credit Losses:Part I. Charge-offs and Recoveries on Loansand Leases.RI-6, 7Part II. Changes in Allowances for Credit Losses.RI-8Schedule RI-C—Disaggregated Data on the Allowance forLoan and Lease Losses (to be completed only by selected banks):Part I. Disaggregated Data on the Allowance for Loanand Lease Losses.RI-9Part II. Disaggregated Data on the Allowances forCredit Losses.RI-10Schedule RI-E—Explanations.RI-11, 12Schedule RC-M—Memoranda.RC-27, 28, 29, 30Schedule RC-N—Past Due and Nonaccrual Loans,Leases, and Other Assets.RC-31, 32, 33, 34, 35Schedule RC-O—Other Data for Deposit InsuranceAssessments.RC-36, 37, 38, 39, 40, 41Schedule RC-P—1–4 Family ResidentialMortgage Banking Activities (to be completedonly by selected banks).RC-42Schedule RC-Q—Assets and Liabilities Measuredat Fair Value on a Recurring Basis (to becompleted only by selected banks).RC-43, 44, 45Report of ConditionSchedule RC-R—Regulatory Capital:Schedule RC—Balance Sheet.RC-1, 2Schedule RC-A—Cash and Balances Duefrom Depository Institutions(to be completed only by selected banks).RC-3Schedule RC-B—Securities.RC-3, 4, 5, 6, 7, 8Schedule RC-C—Loans and Lease FinancingReceivables:Part I. Loans and Leases.RC-9, 10, 11, 12, 13Part II. Loans to Small Businesses andSmall Farms.RC-14, 15Schedule RC-D—Trading Assets and Liabilities(to be completed only by selected banks).RC-16Part I. Regulatory Capital Componentsand Ratios.RC-46, 47, 48Part II. Risk-Weighted Assets.RC-49, 50, 51, 52, 5354, 55, 56, 57, 58, 59, 60, 61Schedule RC-S—Servicing, Securitization,and Asset Sale Activities.RC-62, 63Schedule RC-T—Fiduciary and RelatedServices.RC-64, 65, 66, 67Schedule RC-V—Variable Interest Entities.RC-68Optional Narrative Statement Concerningthe Amounts Reported in the Reportsof Condition and Income.RC-69For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC’s DataCollection and Analysis Section, 550 17th Street, NW, Washington, DC 20429, toll free on (800) 688-FDIC(3342), Monday throughFriday between 8:00 a.m. and 5:00 p.m., Eastern Time. State member banks should contact their Federal Reserve District Bank.
Bank of North Dakota - FDIC Certificate Number: 90374FFIEC 041Page 3 of 85Contact Information for the Reports of Condition and IncomeTo facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for(1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person at the bank —other than the Chief FinancialOfficer (or equivalent) — to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contactfor questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communicationsbetween the Agencies and the bank concerning the Reports of Condition and Income. Enter “none” for the contact’s e-mail address or fax numberif not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to thepublic.Chief Financial Officer (or Equivalent) Signing the ReportsOther Person to Whom Questions about the ReportsShould be DirectedTim PorterRob PfennigName (TEXT C490)Name (TEXT C495)Chief Financial OfficerControllerTitle (TEXT C491)Title (TEXT C496)tcporter@nd.govrpfennig@nd.govE-mail Address (TEXT C492)E-mail Address (TEXT 4086)(701) 328-5650(701) 328-5752Telephone: Area code/phone number/extension (TEXT C493)Telephone: Area code/phone number/extension (TEXT 8902)(701) 328-5793(701) 328-5793FAX: Area code/phone number (TEXT C494)FAX: Area code/phone number (TEXT 9116)Chief Executive Officer Contact InformationThis information is being requested so the Agencies can distribute notifications about policy initiatives, deposit insurance assessments, and other matters directly tothe Chief Executive Officers of reporting institutions. Notifications about other matters may include emergency notifications that may or may not also be sent to theinstitution’s emergency contacts listed below. Please provide contact information for the Chief Executive Officer of the reporting institution. Enter “none” for the ChiefExecutive Officer’s e-mail address or fax number if not available. Chief Executive Officer contact information is for the confidential use of the Agencies and will not bereleased to the public.Chief Executive OfficerEric Hardmeyer(701) 328-5674Name (TEXT FT42)Telephone: Area code/phone number/extension (TEXT FT43)ehardmeyer@nd.gov(701) 328-5855E-mail Address (TEXT FT44)Fax: Area code/phone number (TEXT FT45)Emergency Contact InformationThis information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks. Please provide primarycontact information for a senior official of the bank who has decision-making authority. Also provide information for a secondary contact if available.Enter “none” for the contact’s e-mail address or fax number if not available. Emergency contact information is for the confidential use of the Agenciesand will not be released to the public.Primary ContactSecondary ContactEric HardmeyerRob PfennigName (TEXT C366)Name (TEXT C371)President & CEOControllerTitle (TEXT C367)Title (TEXT C372)ehardmeyer@nd.govrpfennig@nd.govE-mail Address (TEXT C368)E-mail Address (TEXT C373)(701) 328-5674(701) 328-5752Telephone: Area code/phone number/extension (TEXT C369)Telephone: Area code/phone number/extension (TEXT C374)(701) 328-5855(701) 328-5793FAX: Area code/phone number (TEXT C370)FAX: Area code/phone number (TEXT C375)
Bank of North Dakota - FDIC Certificate Number: 90374FFIEC 041Page 4 of 85USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact InformationThis information is being requested to identify points-of-contact who are in charge of your bank’s USA PATRIOT Act Section 314(a) information requests.Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional informationrelated to specific Section 314(a) search requests or other anti-terrorist financing and anti-money laundering matters. Communications sent by FinCENto the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnelfor review. Any disclosure of customer records to law enforcement officers or FinCEN must be done in compliance with applicable law, including theRight to Financial Privacy Act (12 U.S.C. 3401 et seq.).Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank’s option. Enter“none” for the contact’s e-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcementofficers and will not be released to the public.Primary ContactSecondary ContactRhonda MendietaJennifer LangName (TEXT C437)Name (TEXT C442)Compliance OfficerBanking Compliance OfficerTitle (TEXT C438)Title (TEXT C443)rmendieta@nd.govjenniferlang@nd.govE-mail Address (TEXT C439)E-mail Address (TEXT C444)(701) 328-5751(701) 328-5816Telephone: Area code/phone number/extension (TEXT C440)Telephone: Area code/phone number/extension (TEXT C445)Third ContactFourth ContactJeff WeilerName (TEXT C870)Name (TEXT C875)Chief Risk OfficerTitle (TEXT C871)Title (TEXT C876)jweiler@nd.govE-mail Address (TEXT C872)E-mail Address (TEXT C877)(701) 328-5756Telephone: Area code/phone number/extension (TEXT C873)Telephone: Area code/phone number/extension (TEXT C878)
Bank of North Dakota - FDIC Certificate Number: 90374Consolidated Report of IncomeFor the period January 1, 2019 — December 31, 2019FFIEC 041Page 5 of 85RI-1All report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.Schedule RI—Income StatementDollar Amounts in Thousands RIAD1. Interest income:a. Interest and fee income on loans:(1) Loans secured by real estate:(a) Loans secured by 1-4 family residential properties. 4435(b) All other loans secured by real estate. 4436(2) Commercial and industrial loans. 4012(3) Loans to individuals for household, family, and other personal expenditures:(a) Credit cards. B485(b) Other (includes revolving credit plans other than credit cards,automobile loans, and other consumer loans). B486(4) Not applicable(5) All other loans (1). 4058(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5)). 4010b. Income from lease financing receivables. 4065c. Interest income on balances due from depository institutions (2). 4115d. Interest and dividend income on securities:(1) U.S. Treasury securities and U.S. Government agency obligations (excludingmortgage-backed securities). B488(2) Mortgage-backed securities. B489(3) All other securities (includes securities issued by states and political subdivisions in theU.S.). 4060e. Not applicablef. Interest income on federal funds sold and securities purchased under agreements to resell. 4020g. Other interest income. 4518h. Total interest income (sum of items 1.a.(6) through 1.g). 41072. Interest expense:a. Interest on deposits:(1) Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS accounts,and telephone and preauthorized transfer accounts). 4508(2) Nontransaction accounts:(a) Savings deposits (includes MMDAs). 0093(b) Time deposits of 250,000 or less. HK03(c) Time deposits of more than 250,000. HK04b. Expense of federal funds purchased and securities sold under agreements to repurchase. 4180c. Interest on trading liabilities and other borrowed money. 41851 Includes interest and fee income on "Loans to depository institutions and acceptances of other banks," "Loans to finance agriculturalproduction and other loans to farmers," "Obligations (other than securities and leases) of states and political subdivisions in the U.S.,"and "Loans to nondepository financial institutions and other loans."2 Includes interest income on time certificates of deposit not held for trading.Amount26,677 1.a.1.a.74,613 1.a.1.b.18,145 1.a.2.0 1.a.3.a.55,174 628 1.d.1.22,884 1.d.2.30 1.d.3.584 1.f.2,329 1.g.263,588 1.h.4,320 .2.c.2.b.2.c.
Bank of North Dakota - FDIC Certificate Number: 90374Schedule RI—ContinuedFFIEC 041Page 6 of 85RI-2Year-to-dateDollar Amounts in ThousandsRIAD2. Interest expense (continued):Amountd. Interest on subordinated notes and debentures. 42000e. Total interest expense (sum of items 2.a through 2.d). 407358,5163. Net interest income (item 1.h minus 2.e). 4074205,0724. Provision for loan and lease losses (1). JJ336,0005. Noninterest income:a. Income from fiduciary activities (2). 4070262b. Service charges on deposit accounts. 4080492c. Trading revenue (3). A2200d. (1) Fees and commissions from securities brokerage. C8860(2) Investment banking, advisory, and underwriting fees and commissions. C8884(3) Fees and commissions from annuity sales. C8870(4) Underwriting income from insurance and reinsurance activities. C3860(5) Income from other insurance activities. C3870e. Venture capital revenue. B491150f. Net servicing fees. B4922,433g. Net securitization income. B4930h. Not applicablei. Net gains (losses) on sales of loans and leases. 541651j. Net gains (losses) on sales of other real estate owned. 54152,264k. Net gains (losses) on sales of other assets (4). B4960l. Other noninterest income*. B4971,149m. Total noninterest income (sum of items 5.a through 5.l). 40796,8056. a. Realized gains (losses) on held-to-maturity securities. 35210b. Realized gains (losses) on available-for-sale securities. 3196697. Noninterest expense:a. Salaries and employee benefits. 413517,424b. Expenses of premises and fixed assets (net of rental income)(excluding salaries and employee benefits and mortgage interest). 4217969c. (1) Goodwill impairment losses. C2160(2) Amortization expense and impairment losses forother intangible assets. C2320d. Other noninterest expense*. 409218,504e. Total noninterest expense (sum of items 7.a through 7.d). 409336,8978. a. Income (loss) before unrealized holding gains (losses) on equity securities notheld for trading, applicable income taxes, and discontinued operations (item 3 plusor minus items 4, 5.m, 6.a, 6.b, and 7.e). HT69169,049b. Unrealized holding gains (losses) on equity securities not held for trading (5). HT70NRc. Income (loss) before applicable income taxes and discontinuedoperations (sum of items 8.a and 8.b). 4301169,0499. Applicable income taxes (on item 8.c). 4302010. Income (loss) before discontinued operations (item 8.c minus item 9). 4300169,04911. Discontinued operations, net of applicable income taxes*. FT280* Describe on Schedule RI-E - Explanations1 Institutions that have adopted ASU 2016-13 should report in item 4, the provisions for credit losses on all financial assets that fallwithin the scope of the standard.2 For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI,item 5.a, must equal the amount reported in Schedule RC-T, item 22.3 For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c,must equal the sum of Memorandum items 8.a through 8.e.4 Exclude net gains (losses) on sales of trading assets and held-to-maturity and available-for-sale securities.5 Item 8.b is to be completed only by institutions that have adopted ASU 2016-01, which includes provisions governing the accountingfor investments in equity securities. See the instructions for further detail on ASU b.7.a.7.b.7.c.1.7.c.2.7.d.7.e.8.a.8.b.8.c.9.10.11.
Bank of North Dakota - FDIC Certificate Number: 90374FFIEC 041Page 7 of 85RI-3Schedule RI—ContinuedDollar Amounts in Thousands RIAD12. Net income (loss) attributable to bank and noncontrolling (minority)interests (sum of items 10 and 11).13. LESS: Net income (l
Schedule RC-N—Past Due and Nonaccrual Loans, Schedule RC-O—Other Data for Deposit Insurance Schedule RI-C—Disaggregated Data on the Allowance for Schedule RC-P—1–4 Family Residential Mortgage Banking Activities (to be completed Schedule RC-Q—Assets and Liabilities Measured at F
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by March 1887. Sioux Falls was home to both the conference office and the Tract Society (renamed the Book and Bible House in 1924).10 South Dakota Conference (1889-1895) From 1889, when the Dakota Territory became the States of North and South Dakota, until 1895, the Dakota Conference was known as the South Dakota Conference.
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GENERAL INFORMATION . FOR PROVIDERS. NORTH DAKOTA MEDICAID . AND OTHER MEDICAL ASSISTANCE PROGRAMS . Published by: Medical Services Division . North Dakota Department of Human Services . 600 E. Boulevard Avenue, Dept. 325 . Bismarck, North Dakota 58505 . January 2021
