Bryant State Bank in Bryant, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bryant State Bank in Bryant, South Dakota (SD)
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Bryant State Bank - Overview

  • General
  • FDIC Certificate #: 6064
    Status: Active
    Federal Reserve ID: 82257
    Bank Holding Company (Regulatory Top Holder): Bryant Bancshares, Inc. (RSSDID: 1127717, Location: Bryant, SD)
    Date Established: March 01, 1915
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 14159
    FDIC's unique #: 4092
    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: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 Main Avenue, Bryant, SD 57221
    County: Hamlin
    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): Watertown, SD (#47980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $23.4 mil
    Equity capital: $3.0 mil
    Deposits held in domestic offices: $19.9 mil
    Return on assets (ROA): 1.22% ($0.3 mil)
    Quarterly return on assets: 1.13% ($0.3 mil)
    Return on Equity (ROE): 9.27% ($0.3 mil)
    Quarterly return on equity: 8.40% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.22% ($285.4 mil)
    Quarterly Pretax return on assets: 1.13% ($264.4 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
  • 6Total employees (full-time equivalent)
  • $23,394Total assets
  • $4,205Cash and due from depository institutions
  • $3,440Interest-bearing balances
  • $8,143Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $10,390Net loans & leases
  • $209Loan loss allowance
  • $0Trading account assets
  • $259Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $23,394Life insurance assets
  • $397All other assets
  • $20,348Total liabilities and capital
  • $19,939Total liabilities
  • $13,988Total deposits
  • $19,939Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $409Subordinated debt
  • $3,046All other liabilities
  • $3,046Total equity capital
  • $3,046Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $2,275Surplus
  • $721Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14Income earned, not collected on loans
  • $0Earning assets
  • $210Long-term assets (5+ years)
  • $21,973Average Assets, year-to-date
  • $2,872Average Assets, quarterly
  • $22,647Volatile liabilities
  • $22,954Insider loans
  • $14,510FHLB advances
  • $23,223Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,943Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,388Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $802Total interest income
  • $99Total interest expense
  • $703Net interest income
  • $0Provision for loan and lease losses
  • $273Total noninterest income
  • $0Fiduciary activities
  • $43Service charges on deposit accounts
  • $0Trading account gains & fees
  • $230Additional noninterest income
  • $699Total noninterest expense
  • $433Salaries and employee benefits
  • $94Premises and equipment expense
  • $172Additional noninterest expense
  • $277Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $277Income before extraordinary items
  • $0Extraordinary gains - net
  • $277Net income attributable to bank
  • $0Net charge-offs
  • $277Cash dividends
  • -$3Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.75%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.29%Net interest margin
  • 1.28%Noninterest income to earning assets
  • 3.27%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 9.27%Return on equity (ROE)
  • 4.25%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,619Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.15%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 1492.86%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 52.11%Net loans and leases to core deposits
  • 52.93%Equity capital to assets
  • 13.02%Core capital (leverage) ratio
  • 12.67%Tier 1 risk-based capital ratio
  • 20.28%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $22,647Average earning assets
  • $2,987Average equity
  • $21,363Average loans

List of branches

  • 1 South Dakota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04092Bryant State Bank124 Main Avenue, Bryant, SD 57221March 01, 1915Full Service Brick and Mortar

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