Commercial State Bank, of Wagner in Wagner, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Commercial State Bank, of Wagner in Wagner, South Dakota (SD)
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Commercial State Bank, of Wagner - Overview

  • General
  • FDIC Certificate #: 9932
    Status: Active
    Federal Reserve ID: 129853
    Bank Holding Company (Regulatory Top Holder): Commercial Holding Company (RSSDID: 1127182, Location: Wagner, SD)
    Date Established: May 31, 1902
    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 #: 15728
    FDIC's unique #: 6350
    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: 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: 204 S. Main Ave, Wagner, SD 57380
    County: Charles Mix
    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: $130.5 mil
    Equity capital: $14.4 mil
    Deposits held in domestic offices: $110.6 mil
    Return on assets (ROA): 1.92% ($2.5 mil)
    Quarterly return on assets: 0.90% ($1.2 mil)
    Return on Equity (ROE): 18.67% ($2.6 mil)
    Quarterly return on equity: 8.15% ($1.1 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.00% ($2,609.7 mil)
    Quarterly Pretax return on assets: 0.93% ($1,213.5 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
  • 26Total employees (full-time equivalent)
  • $130,483Total assets
  • $5,367Cash and due from depository institutions
  • $1,286Interest-bearing balances
  • $47,685Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $70,845Net loans & leases
  • $1,325Loan loss allowance
  • $0Trading account assets
  • $1,141Bank premises and fixed assets
  • $945Other real estate owned
  • $0Goodwill and other intangibles
  • $130,483Life insurance assets
  • $4,500All other assets
  • $116,041Total liabilities and capital
  • $110,606Total liabilities
  • $96,118Total deposits
  • $110,606Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 4900.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $300Trading liabilities
  • $0Other borrowed funds
  • $235Subordinated debt
  • $14,442All other liabilities
  • $14,442Total equity capital
  • $14,442Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $2,950Surplus
  • $11,492Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $410Income earned, not collected on loans
  • $0Earning assets
  • $1,707Long-term assets (5+ years)
  • $119,816Average Assets, year-to-date
  • $37,966Average Assets, quarterly
  • $128,846Volatile liabilities
  • $129,664Insider loans
  • $88,740FHLB advances
  • $129,997Loans and leases held for sale
  • $2,384Unused loan commitments
  • $1,913Tier 1 (core) risk-based capital
  • $13,069Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $471Total unused commitments
  • $13,196Restructured Loans and leases
  • $685Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,680Total interest income
  • $1,073Total interest expense
  • $5,607Net interest income
  • $757Provision for loan and lease losses
  • $562Total noninterest income
  • $0Fiduciary activities
  • $264Service charges on deposit accounts
  • $0Trading account gains & fees
  • $298Additional noninterest income
  • $2,832Total noninterest expense
  • $1,560Salaries and employee benefits
  • $362Premises and equipment expense
  • $910Additional noninterest expense
  • $2,580Pre-tax net operating income
  • $0Securities gains (losses)
  • $108Applicable income taxes
  • $2,472Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,472Net income attributable to bank
  • $0Net charge-offs
  • $2,472Cash dividends
  • $828Sale, conversion, retirement of capital stock, net
  • $1,201Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.60%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 4.70%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 1.92%Net operating income to assets
  • 1.92%Return on assets (ROA)
  • 2.00%Pretax return on assets
  • 18.67%Return on equity (ROE)
  • 9.60%Retained earnings to average equity (YTD only)
  • 1.18%Net charge-offs to loans
  • 91.43%Credit loss provision to net charge-offs
  • 4.03%Efficiency ratio
  • 45,907Assets per employee
  • 5.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.58%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 323.17%Noncurrent assets plus other real estate owned to assets
  • 1.04%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 64.05%Net loans and leases to core deposits
  • 72.02%Equity capital to assets
  • 11.07%Core capital (leverage) ratio
  • 10.05%Tier 1 risk-based capital ratio
  • 14.73%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $128,846Average earning assets
  • $13,240Average equity
  • $119,291Average loans

List of branches

  • 1 South Dakota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06350Commercial State Bank, Of Wagner204 S. Main Ave, Wagner, SD 57380May 31, 1902Full Service Brick and Mortar

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