FDIC Certificate #: 58723 Status: Active Federal Reserve ID: 3636428 Bank Holding Company (Regulatory Top Holder): Bhcb Holding Company (RSSDID: 3636389, Location: Rapid City, SD) Date Established: November 27, 2007 WWW:http://www.bhcbank.com 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 #: 464156 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: November 27, 2007 Last Structure Change Effective Date: July 20, 2011 Last Structure Change Process Date: July 26, 2011 Last Data Update: July 26, 2011 Data Source Date: April 05, 2012
Location
Address: 840 Mount Rushmore Road, Rapid City, SD 57701 County: Pennington Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux Falls Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Rapid City, SD (#6660) Core Based Statistical Area (CBSA): Rapid City, SD (#39660) CBSA Metro Statistical Area: Rapid City, SD (#39660)
History of Changes
Change in Location
Financial Summary
Total assets: $102.6 mil Equity capital: $16.1 mil Deposits held in domestic offices: $86.0 mil Return on assets (ROA): 0.86% ($0.9 mil) Quarterly return on assets: 0.92% ($0.9 mil) Return on Equity (ROE): 5.94% ($1.0 mil) Quarterly return on equity: 5.93% ($0.9 mil) Net income: $0.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.86% ($881.9 mil) Quarterly Pretax return on assets: 0.92% ($943.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
22Total employees (full-time equivalent)
$102,552Total assets
$5,771Cash and due from depository institutions
$3,228Interest-bearing balances
$7,274Securities
$1,117Federal funds sold & reverse repurchase agreements
$81,474Net loans & leases
$1,222Loan loss allowance
$0Trading account assets
$5,802Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$102,552Life insurance assets
$1,114All other assets
$86,484Total liabilities and capital
$86,045Total liabilities
$71,162Total deposits
$86,045Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$439Subordinated debt
$16,068All other liabilities
$16,068Total equity capital
$16,068Total bank equity capital
$0Perpetual preferred stock
$6,500Common stock
$8,872Surplus
$696Undivided profits
Memoranda
$0Noncurrent loans and leases
$699Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$403Long-term assets (5+ years)
$93,093Average Assets, year-to-date
$38,900Average Assets, quarterly
$97,502Volatile liabilities
$102,087Insider loans
$93,644FHLB advances
$100,705Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$15,905Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,459Restructured Loans and leases
$8,404Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,838Total interest income
$969Total interest expense
$3,869Net interest income
$227Provision for loan and lease losses
$422Total noninterest income
$0Fiduciary activities
$91Service charges on deposit accounts
$0Trading account gains & fees
$331Additional noninterest income
$3,221Total noninterest expense
$1,824Salaries and employee benefits
$408Premises and equipment expense
$989Additional noninterest expense
$843Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$843Income before extraordinary items
$0Extraordinary gains - net
$843Net income attributable to bank
$0Net charge-offs
$843Cash dividends
$19Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.56%Yield on earning assets
1.11%Cost of funding earning assets
4.44%Net interest margin
0.48%Noninterest income to earning assets
3.70%Noninterest expense to earning assets
0.86%Net operating income to assets
0.86%Return on assets (ROA)
0.86%Pretax return on assets
5.94%Return on equity (ROE)
5.94%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
1194.74%Credit loss provision to net charge-offs
56.32%Efficiency ratio
75,064Assets per employee
4.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
94.69%Net loans and leases to core deposits
106.16%Equity capital to assets
15.67%Core capital (leverage) ratio
15.79%Tier 1 risk-based capital ratio
16.98%Total risk-based capital ratio
Memoranda
$18Average assets
$97,502Average earning assets
$14,196Average equity
$87,080Average loans
List of branches
1 South Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
464156
Black Hills Community Bank, N.A.
840 Mount Rushmore Road, Rapid City, SD 57701
November 27, 2007
Full Service Brick and Mortar
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