Black Hills Community Bank, N.A. in Rapid City, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Black Hills Community Bank, N.A. in Rapid City, South Dakota (SD)
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Black Hills Community Bank, N.A. - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    0464156Black Hills Community Bank, N.A.840 Mount Rushmore Road, Rapid City, SD 57701November 27, 2007Full Service Brick and Mortar

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