Community First State Bank of Hot Springs in Hot Springs, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 03, 1995

  • Community First State Bank of Hot Springs in Hot Springs, South Dakota (SD)
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Community First State Bank of Hot Springs - Overview

  • General
  • FDIC Certificate #: 27058
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community First State Bank (#27063)
    Federal Reserve ID: 587051
    Date Established: October 01, 1987
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 11775
    FDIC's unique #: 38657
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 01, 1987
    Last Structure Change Effective Date: January 03, 1995
    Last Structure Change Process Date: January 11, 1995
    Last Data Update: January 11, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 702 Jennings Avenue, Hot Springs, SD 57747
    County: Fall River
    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
  • Financial Summary
  • Total assets: $16.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $7Total assets
  • $16,041Cash and due from depository institutions
  • $1,165Interest-bearing balances
  • $399Securities
  • $3,939Federal funds sold & reverse repurchase agreements
  • $100Net loans & leases
  • $10,435Loan loss allowance
  • $136Trading account assets
  • $0Bank premises and fixed assets
  • $164Other real estate owned
  • $31Goodwill and other intangibles
  • $207Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $16,041Total liabilities
  • $14,807Total deposits
  • $13,315Interest-bearing deposits
  • $11,093Deposits held in domestic offices
  • 13315.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $1,366Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $126Total equity capital
  • $126Total bank equity capital
  • $1,234Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $200Undivided profits
  • Memoranda
  • $34Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26Income earned, not collected on loans
  • $89Earning assets
  • $14,873Long-term assets (5+ years)
  • $1,777Average Assets, year-to-date
  • $15,723Average Assets, quarterly
  • $16,293Volatile liabilities
  • $1,986Insider loans
  • $168FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $646Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,235Total risk weighted assets
  • $10,930Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,154Total interest expense
  • $376Net interest income
  • $778Provision for loan and lease losses
  • $11Total noninterest income
  • $105Fiduciary activities
  • $0Service charges on deposit accounts
  • $70Trading account gains & fees
  • $0Additional noninterest income
  • $35Total noninterest expense
  • $565Salaries and employee benefits
  • $207Premises and equipment expense
  • $45Additional noninterest expense
  • $313Pre-tax net operating income
  • $307Securities gains (losses)
  • $1Applicable income taxes
  • $109Income before extraordinary items
  • $199Extraordinary gains - net
  • $0Net income attributable to bank
  • $199Net charge-offs
  • $4Cash dividends
  • $190Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.89%Cost of funding earning assets
  • 2.57%Net interest margin
  • 5.32%Noninterest income to earning assets
  • 0.72%Noninterest expense to earning assets
  • 3.86%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 1.96%Return on equity (ROE)
  • 16.09%Retained earnings to average equity (YTD only)
  • 0.73%Net charge-offs to loans
  • 0.04%Credit loss provision to net charge-offs
  • 275.00%Efficiency ratio
  • 63,986Assets per employee
  • 2.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 95.48%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 523.08%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 78.37%Net loans and leases to core deposits
  • 82.20%Equity capital to assets
  • 7.69%Core capital (leverage) ratio
  • 7.90%Tier 1 risk-based capital ratio
  • 11.30%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $15,723Average earning assets
  • $1,237Average equity
  • $14,630Average loans

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