FDIC Certificate #: 15593 Status: Active Federal Reserve ID: 532453 Bank Holding Company (Regulatory Top Holder): Yellowstone Trail Bancorporation (RSSDID: 1495845, Location: Ipswich, SD) Date Established: April 13, 1938 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9879 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: April 13, 1938 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: 301 First Avenue, Ipswich, SD 57451 County: Edmunds 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): Aberdeen, SD (#10100) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $56.6 mil Equity capital: $8.6 mil Deposits held in domestic offices: $44.1 mil Return on assets (ROA): 1.04% ($0.6 mil) Quarterly return on assets: 0.67% ($0.4 mil) Return on Equity (ROE): 6.72% ($0.6 mil) Quarterly return on equity: 4.29% ($0.4 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.37% ($775.0 mil) Quarterly Pretax return on assets: 0.67% ($379.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$56,571Total assets
$6,076Cash and due from depository institutions
$0Interest-bearing balances
$12,305Securities
$7,600Federal funds sold & reverse repurchase agreements
$27,363Net loans & leases
$546Loan loss allowance
$0Trading account assets
$311Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$56,571Life insurance assets
$2,916All other assets
$47,929Total liabilities and capital
$44,098Total liabilities
$33,840Total deposits
$44,098Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,702Trading liabilities
$0Other borrowed funds
$1,129Subordinated debt
$8,642All other liabilities
$8,642Total equity capital
$8,642Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,200Surplus
$7,342Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$18Income earned, not collected on loans
$0Earning assets
$719Long-term assets (5+ years)
$47,268Average Assets, year-to-date
$12,478Average Assets, quarterly
$52,825Volatile liabilities
$54,677Insider loans
$35,492FHLB advances
$56,214Loans and leases held for sale
$1,993Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,330Tier 2 risk-based capital
$1,637Total risk weighted assets
$356Total unused commitments
$8,059Restructured Loans and leases
$70Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,264Total interest income
$571Total interest expense
$1,693Net interest income
$0Provision for loan and lease losses
$206Total noninterest income
$0Fiduciary activities
$142Service charges on deposit accounts
$0Trading account gains & fees
$64Additional noninterest income
$1,177Total noninterest expense
$826Salaries and employee benefits
$119Premises and equipment expense
$232Additional noninterest expense
$722Pre-tax net operating income
$0Securities gains (losses)
$170Applicable income taxes
$552Income before extraordinary items
$0Extraordinary gains - net
$552Net income attributable to bank
$0Net charge-offs
$552Cash dividends
-$41Sale, conversion, retirement of capital stock, net
$154Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.00%Yield on earning assets
1.26%Cost of funding earning assets
3.74%Net interest margin
0.45%Noninterest income to earning assets
2.60%Noninterest expense to earning assets
1.04%Net operating income to assets
1.04%Return on assets (ROA)
1.37%Pretax return on assets
6.72%Return on equity (ROE)
4.85%Retained earnings to average equity (YTD only)
-0.15%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
61,980Assets per employee
6.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
27.90%Loss allowance to loans
1.96%Loss allowance to noncurrent loans
3033.33%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.06%Net loans and leases to deposits
62.05%Net loans and leases to core deposits
67.43%Equity capital to assets
15.28%Core capital (leverage) ratio
14.82%Tier 1 risk-based capital ratio
23.47%Total risk-based capital ratio
Memoranda
$25Average assets
$52,825Average earning assets
$8,209Average equity
$45,300Average loans
List of branches
1 South Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9879
Ipswich State Bank
301 First Avenue, Ipswich, SD 57451
April 13, 1938
Full Service Brick and Mortar
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