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



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Black Hills Community Bank, N.A. routing number info

Table of contents:
Black Hills Community Bank, N.A.
GeneralFDIC 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
WWW: http://www.bhcbank.com
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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)22
Total assets$102,552
Cash and due from depository institutions$5,771
Interest-bearing balances$3,228
Securities$7,274
Federal funds sold & reverse repurchase agreements$1,117
Net loans & leases$81,474
Loan loss allowance $1,222
Trading account assets$0
Bank premises and fixed assets$5,802
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,114
Life insurance assets$102,552
Total liabilities and capital$86,484
Total liabilities$86,045
Total deposits$71,162
Interest-bearing deposits$86,045
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $439
All other liabilities $16,068
Total equity capital$16,068
Total bank equity capital$16,068
Perpetual preferred stock$0
Common stock$6,500
Surplus$8,872
Undivided profits $696
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $699
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $403
Average Assets, year-to-date $93,093
Average Assets, quarterly $38,900
Volatile liabilities $97,502
Insider loans $102,087
FHLB advances $93,644
Loans and leases held for sale $100,705
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $15,905
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,459
Derivatives$8,404
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,838
Total interest expense $969
Net interest income $3,869
Provision for loan and lease losses $227
Total noninterest income $422
Fiduciary activities $0
Service charges on deposit accounts $91
Trading account gains & fees $0
Additional noninterest income $331
Total noninterest expense $3,221
Salaries and employee benefits $1,824
Premises and equipment expense $408
Additional noninterest expense $989
Pre-tax net operating income $843
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $843
Extraordinary gains - net $0
Net income attributable to bank $843
Net charge-offs $0
Cash dividends $843
Sale, conversion, retirement of capital stock, net $19
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.56%
Cost of funding earning assets 1.11%
Net interest margin 4.44%
Noninterest income to earning assets 0.48%
Noninterest expense to earning assets 3.70%
Net operating income to assets 0.86%
Return on assets (ROA) 0.86%
Pretax return on assets 0.86%
Return on equity (ROE) 5.94%
Retained earnings to average equity (YTD only) 5.94%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 1194.74%
Efficiency ratio56.32%
Assets per employee$75,064
Cash dividends to net income (YTD only)4.66%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.48%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 94.69%
Equity capital to assets 106.16%
Core capital (leverage) ratio 15.67%
Tier 1 risk-based capital ratio 15.79%
Total risk-based capital ratio 16.98%
Memoranda
Average assets$18
Average earning assets$97,502
Average equity $14,196
Average loans $87,080
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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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