FDIC Certificate #: 6064 Status: Active Federal Reserve ID: 82257 Bank Holding Company (Regulatory Top Holder): Bryant Bancshares, Inc. (RSSDID: 1127717, Location: Bryant, SD) Date Established: March 01, 1915 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14159 FDIC's unique #: 4092 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 02, 2010 Last Structure Change Process Date: June 02, 2010 Last Data Update: June 02, 2010 Data Source Date: April 05, 2012
Location
Address: 124 Main Avenue, Bryant, SD 57221 County: Hamlin 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 Core Based Statistical Area (CBSA): Watertown, SD (#47980) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $23.4 mil Equity capital: $3.0 mil Deposits held in domestic offices: $19.9 mil Return on assets (ROA): 1.22% ($0.3 mil) Quarterly return on assets: 1.13% ($0.3 mil) Return on Equity (ROE): 9.27% ($0.3 mil) Quarterly return on equity: 8.40% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.22% ($285.4 mil) Quarterly Pretax return on assets: 1.13% ($264.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$23,394Total assets
$4,205Cash and due from depository institutions
$3,440Interest-bearing balances
$8,143Securities
$0Federal funds sold & reverse repurchase agreements
$10,390Net loans & leases
$209Loan loss allowance
$0Trading account assets
$259Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$23,394Life insurance assets
$397All other assets
$20,348Total liabilities and capital
$19,939Total liabilities
$13,988Total deposits
$19,939Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$409Subordinated debt
$3,046All other liabilities
$3,046Total equity capital
$3,046Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$2,275Surplus
$721Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$14Income earned, not collected on loans
$0Earning assets
$210Long-term assets (5+ years)
$21,973Average Assets, year-to-date
$2,872Average Assets, quarterly
$22,647Volatile liabilities
$22,954Insider loans
$14,510FHLB advances
$23,223Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,943Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,388Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$802Total interest income
$99Total interest expense
$703Net interest income
$0Provision for loan and lease losses
$273Total noninterest income
$0Fiduciary activities
$43Service charges on deposit accounts
$0Trading account gains & fees
$230Additional noninterest income
$699Total noninterest expense
$433Salaries and employee benefits
$94Premises and equipment expense
$172Additional noninterest expense
$277Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$277Income before extraordinary items
$0Extraordinary gains - net
$277Net income attributable to bank
$0Net charge-offs
$277Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.75%Yield on earning assets
0.46%Cost of funding earning assets
3.29%Net interest margin
1.28%Noninterest income to earning assets
3.27%Noninterest expense to earning assets
1.22%Net operating income to assets
1.22%Return on assets (ROA)
1.22%Pretax return on assets
9.27%Return on equity (ROE)
4.25%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
71,619Assets per employee
3.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
54.15%Loss allowance to loans
1.97%Loss allowance to noncurrent loans
1492.86%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.13%Net loans and leases to deposits
52.11%Net loans and leases to core deposits
52.93%Equity capital to assets
13.02%Core capital (leverage) ratio
12.67%Tier 1 risk-based capital ratio
20.28%Total risk-based capital ratio
Memoranda
$22Average assets
$22,647Average earning assets
$2,987Average equity
$21,363Average loans
List of branches
1 South Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4092
Bryant State Bank
124 Main Avenue, Bryant, SD 57221
March 01, 1915
Full Service Brick and Mortar
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