FDIC Certificate #: 18145 Status: Active Federal Reserve ID: 403656 Date Established: Febuary 01, 1960 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 #: 12066 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: Febuary 01, 1960 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: 124 Main St, Eagle Butte, SD 57625 County: Dewey 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $39.2 mil Equity capital: $5.0 mil Deposits held in domestic offices: $33.8 mil Return on assets (ROA): 0.56% ($0.2 mil) Quarterly return on assets: -0.70% (-$0.3 mil) Return on Equity (ROE): 4.20% ($0.2 mil) Quarterly return on equity: -5.43% (-$0.3 mil) Net income: $0.2 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.63% ($247.0 mil) Quarterly Pretax return on assets: -0.74% (-$290.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$39,200Total assets
$2,922Cash and due from depository institutions
$0Interest-bearing balances
$11,561Securities
$2,300Federal funds sold & reverse repurchase agreements
$21,445Net loans & leases
$456Loan loss allowance
$0Trading account assets
$604Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$39,200Life insurance assets
$368All other assets
$34,238Total liabilities and capital
$33,780Total liabilities
$24,962Total deposits
$33,780Interest-bearing deposits
$78Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$458Subordinated debt
$4,962All other liabilities
$4,962Total equity capital
$4,962Total bank equity capital
$0Perpetual preferred stock
$48Common stock
$1,565Surplus
$3,349Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$42Income earned, not collected on loans
$0Earning assets
$304Long-term assets (5+ years)
$35,306Average Assets, year-to-date
$11,766Average Assets, quarterly
$37,053Volatile liabilities
$39,202Insider loans
$25,550FHLB advances
$38,781Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,600Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,361Restructured Loans and leases
$999Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,828Total interest income
$399Total interest expense
$2,429Net interest income
$440Provision for loan and lease losses
$691Total noninterest income
$0Fiduciary activities
$478Service charges on deposit accounts
$0Trading account gains & fees
$213Additional noninterest income
$2,448Total noninterest expense
$1,731Salaries and employee benefits
$205Premises and equipment expense
$512Additional noninterest expense
$232Pre-tax net operating income
$0Securities gains (losses)
$23Applicable income taxes
$209Income before extraordinary items
$0Extraordinary gains - net
$209Net income attributable to bank
$0Net charge-offs
$209Cash dividends
$487Sale, conversion, retirement of capital stock, net
$166Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.29%Yield on earning assets
1.17%Cost of funding earning assets
7.12%Net interest margin
2.03%Noninterest income to earning assets
7.18%Noninterest expense to earning assets
0.56%Net operating income to assets
0.56%Return on assets (ROA)
0.63%Pretax return on assets
4.20%Return on equity (ROE)
0.86%Retained earnings to average equity (YTD only)
2.14%Net charge-offs to loans
90.35%Credit loss provision to net charge-offs
1.38%Efficiency ratio
78,462Assets per employee
2.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
79.43%Loss allowance to loans
2.08%Loss allowance to noncurrent loans
1085.71%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.19%Net loans and leases to deposits
63.48%Net loans and leases to core deposits
66.52%Equity capital to assets
12.66%Core capital (leverage) ratio
11.86%Tier 1 risk-based capital ratio
18.00%Total risk-based capital ratio
Memoranda
$19Average assets
$37,053Average earning assets
$4,981Average equity
$34,105Average loans
List of branches
1 South Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12066
State Bank Of Eagle Butte
124 Main St, Eagle Butte, SD 57625
Febuary 01, 1960
Full Service Brick and Mortar
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