FDIC Certificate #: 15847 Status: Active Federal Reserve ID: 354253 Bank Holding Company (Regulatory Top Holder): Adino Company, The (RSSDID: 1134724, Location: Onida, SD) Date Established: January 01, 1925 WWW:http://www.mysunrisebank.com 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 #: 10087 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: September 08, 1941 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: 201 South Main Street, Onida, SD 57564 County: Sully 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $43.4 mil Equity capital: $5.2 mil Deposits held in domestic offices: $37.9 mil Return on assets (ROA): 1.74% ($0.7 mil) Quarterly return on assets: 2.16% ($0.9 mil) Return on Equity (ROE): 15.22% ($0.8 mil) Quarterly return on equity: 18.04% ($0.9 mil) Net income: $0.7 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.82% ($789.4 mil) Quarterly Pretax return on assets: 2.25% ($975.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$43,374Total assets
$1,206Cash and due from depository institutions
$44Interest-bearing balances
$12,643Securities
$0Federal funds sold & reverse repurchase agreements
$27,316Net loans & leases
$453Loan loss allowance
$0Trading account assets
$374Bank premises and fixed assets
$12Other real estate owned
$0Goodwill and other intangibles
$43,374Life insurance assets
$1,823All other assets
$38,138Total liabilities and capital
$37,915Total liabilities
$30,195Total deposits
$37,915Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$223Subordinated debt
$5,236All other liabilities
$5,236Total equity capital
$5,236Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$2,000Surplus
$3,036Undivided 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
$714Long-term assets (5+ years)
$40,003Average Assets, year-to-date
$4,161Average Assets, quarterly
$42,737Volatile liabilities
$43,183Insider loans
$28,322FHLB advances
$43,599Loans and leases held for sale
$781Unused loan commitments
$658Tier 1 (core) risk-based capital
$4,815Tier 2 risk-based capital
$0Total risk weighted assets
$123Total unused commitments
$7,096Restructured Loans and leases
$683Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,119Total interest income
$401Total interest expense
$1,718Net interest income
$24Provision for loan and lease losses
$136Total noninterest income
$0Fiduciary activities
$72Service charges on deposit accounts
$0Trading account gains & fees
$64Additional noninterest income
$1,053Total noninterest expense
$593Salaries and employee benefits
$180Premises and equipment expense
$280Additional noninterest expense
$777Pre-tax net operating income
$0Securities gains (losses)
$32Applicable income taxes
$745Income before extraordinary items
$0Extraordinary gains - net
$745Net income attributable to bank
$0Net charge-offs
$745Cash dividends
$7Sale, conversion, retirement of capital stock, net
$235Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.66%Yield on earning assets
1.07%Cost of funding earning assets
4.59%Net interest margin
0.36%Noninterest income to earning assets
2.81%Noninterest expense to earning assets
1.74%Net operating income to assets
1.74%Return on assets (ROA)
1.82%Pretax return on assets
15.22%Return on equity (ROE)
10.42%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
342.86%Credit loss provision to net charge-offs
114.43%Efficiency ratio
56,796Assets per employee
4.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
31.54%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
2516.67%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.06%Net loans and leases to deposits
72.05%Net loans and leases to core deposits
75.41%Equity capital to assets
12.07%Core capital (leverage) ratio
11.04%Tier 1 risk-based capital ratio
17.00%Total risk-based capital ratio
Memoranda
$18Average assets
$42,737Average earning assets
$4,896Average equity
$37,462Average loans
List of branches
1 South Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10087
Sunrise Bank Dakota
201 South Main Street, Onida, SD 57564
January 01, 1925
Full Service Brick and Mortar
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