Farmers State Bank in Hosmer, South Dakota (SD)
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 7 |
| Total assets | $17,941 |
| Cash and due from depository institutions | $1,262 |
| Interest-bearing balances | $0 |
| Securities | $1,122 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $14,930 |
| Loan loss allowance | $367 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $106 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $521 |
| Life insurance assets | $17,941 |
| Total liabilities and capital | $15,364 |
| Total liabilities | $12,943 |
| Total deposits | $10,506 |
| Interest-bearing deposits | $12,943 |
| Deposits held in domestic offices | $97 |
| % insured (estimated) | 400.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $2,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $21 |
| All other liabilities | $2,577 |
| Total equity capital | $2,577 |
| Total bank equity capital | $2,577 |
| Perpetual preferred stock | $0 |
| Common stock | $50 |
| Surplus | $2,250 |
| Undivided profits | $277 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $91 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $269 |
| Average Assets, year-to-date | $16,052 |
| Average Assets, quarterly | $1,722 |
| Volatile liabilities | $17,326 |
| Insider loans | $17,416 |
| FHLB advances | $16,810 |
| Loans and leases held for sale | $17,512 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $2,577 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $867 |
| Derivatives | $999 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,024 |
| Total interest expense | $136 |
| Net interest income | $888 |
| Provision for loan and lease losses | $1 |
| Total noninterest income | $107 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $102 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $5 |
| Total noninterest expense | $573 |
| Salaries and employee benefits | $378 |
| Premises and equipment expense | $38 |
| Additional noninterest expense | $157 |
| Pre-tax net operating income | $421 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $16 |
| Income before extraordinary items | $405 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $405 |
| Net charge-offs | $0 |
| Cash dividends | $405 |
| Sale, conversion, retirement of capital stock, net | -$15 |
| Net operating income | $380 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 6.75% |
| Cost of funding earning assets | 0.90% |
| Net interest margin | 5.85% |
| Noninterest income to earning assets | 0.70% |
| Noninterest expense to earning assets | 3.77% |
| Net operating income to assets | 2.34% |
| Return on assets (ROA) | 2.34% |
| Pretax return on assets | 2.43% |
| Return on equity (ROE) | 15.78% |
| Retained earnings to average equity (YTD only) | 0.97% |
| Net charge-offs to loans | -0.10% |
| Credit loss provision to net charge-offs | -6.67% |
| Efficiency ratio | 0.00% |
| Assets per employee | $57,588 |
| Cash dividends to net income (YTD only) | 2.56% |
| Condition Ratios (%) | |
| Loss allowance to loans | 93.83% |
| Loss allowance to noncurrent loans | 2.40% |
| Noncurrent assets plus other real estate owned to assets | 403.30% |
| Noncurrent loans to loans | 0.51% |
| Net loans and leases to deposits | 0.59% |
| Net loans and leases to core deposits | 115.35% |
| Equity capital to assets | 122.28% |
| Core capital (leverage) ratio | 14.36% |
| Tier 1 risk-based capital ratio | 14.72% |
| Total risk-based capital ratio | 15.33% |
| Memoranda | |
| Average assets | $17 |
| Average earning assets | $17,326 |
| Average equity | $2,566 |
| Average loans | $15,181 |
| 1 South Dakota Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 7814 | Farmers State Bank | 102 W Main St, Hosmer, SD 57448 | October 18, 1919 | Full Service Brick and Mortar |  |
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