Dacotah Bank in Webster, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 24, 1997

  • Dacotah Bank in Webster, South Dakota (SD)
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Dacotah Bank - Overview

  • General
  • FDIC Certificate #: 495
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Dacotah Bank (#17437)
    Federal Reserve ID: 205056
    Date Established: January 02, 1897
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 356
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    Last Structure Change Effective Date: May 24, 1997
    Last Structure Change Process Date: June 05, 1997
    Last Data Update: June 05, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 Main, Webster, SD 57274
    County: Day
    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: $45.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $22Total assets
  • $45,452Cash and due from depository institutions
  • $2,197Interest-bearing balances
  • $848Securities
  • $18,224Federal funds sold & reverse repurchase agreements
  • $2,175Net loans & leases
  • $21,126Loan loss allowance
  • $990Trading account assets
  • $0Bank premises and fixed assets
  • $561Other real estate owned
  • $40Goodwill and other intangibles
  • $1,129Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $45,452Total liabilities
  • $39,820Total deposits
  • $39,353Interest-bearing deposits
  • $35,951Deposits held in domestic offices
  • 39353.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $78Subordinated debt
  • $0All other liabilities
  • $389Total equity capital
  • $389Total bank equity capital
  • $5,632Perpetual preferred stock
  • $400Common stock
  • $300Surplus
  • $900Undivided profits
  • Memoranda
  • $4,032Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,327Income earned, not collected on loans
  • $479Earning assets
  • $42,373Long-term assets (5+ years)
  • $2,492Average Assets, year-to-date
  • $44,537Average Assets, quarterly
  • $45,273Volatile liabilities
  • $1,256Insider loans
  • $265FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,891Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,621Total risk weighted assets
  • $25,047Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,270Total interest expense
  • $1,516Net interest income
  • $1,754Provision for loan and lease losses
  • $0Total noninterest income
  • $260Fiduciary activities
  • $0Service charges on deposit accounts
  • $140Trading account gains & fees
  • $0Additional noninterest income
  • $120Total noninterest expense
  • $1,277Salaries and employee benefits
  • $639Premises and equipment expense
  • $167Additional noninterest expense
  • $471Pre-tax net operating income
  • $737Securities gains (losses)
  • $0Applicable income taxes
  • $243Income before extraordinary items
  • $494Extraordinary gains - net
  • $0Net income attributable to bank
  • $494Net charge-offs
  • $27Cash dividends
  • $141Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.89%Cost of funding earning assets
  • 3.66%Net interest margin
  • 4.23%Noninterest income to earning assets
  • 0.63%Noninterest expense to earning assets
  • 3.08%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 1.65%Return on equity (ROE)
  • 9.21%Retained earnings to average equity (YTD only)
  • 6.58%Net charge-offs to loans
  • 0.12%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,406Assets per employee
  • 2.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.54%Loss allowance to loans
  • 4.48%Loss allowance to noncurrent loans
  • 74.60%Noncurrent assets plus other real estate owned to assets
  • 3.01%Noncurrent loans to loans
  • 6.00%Net loans and leases to deposits
  • 53.68%Net loans and leases to core deposits
  • 55.34%Equity capital to assets
  • 12.39%Core capital (leverage) ratio
  • 12.41%Tier 1 risk-based capital ratio
  • 22.44%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $44,537Average earning assets
  • $5,364Average equity
  • $41,462Average loans

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