First Fidelity Bank in Burke, South Dakota (SD)

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First Fidelity Bank
GeneralFDIC Certificate #: 1122
Status: Active
Federal Reserve ID: 80150
Bank Holding Company (Regulatory Top Holder): Fidelity Corporation (RSSDID: 1121788, Location: Burke, SD)
Date Established: January 01, 1905
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 764
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: December 30, 2006
Last Structure Change Process Date: January 25, 2007
Last Data Update: January 25, 2007
Data Source Date: April 05, 2012
LocationAddress: Main Street, Burke, SD 57523
County: Gregory
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 ChangesOffice Purchased
Financial SummaryTotal assets: $310.7 mil
Equity capital: $30.5 mil
Deposits held in domestic offices: $269.7 mil
Return on assets (ROA): 1.61% ($5.0 mil)
Quarterly return on assets: 1.48% ($4.6 mil)
Return on Equity (ROE): 15.78% ($4.9 mil)
Quarterly return on equity: 14.43% ($4.5 mil)
Net income: $4.8 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.68% ($5,220.6 mil)
Quarterly Pretax return on assets: 1.51% ($4,692.3 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)
Total employees (full-time equivalent)75
Total assets$310,748
Cash and due from depository institutions$16,537
Interest-bearing balances$4,032
Federal funds sold & reverse repurchase agreements$3,527
Net loans & leases$109,052
Loan loss allowance $187
Trading account assets$0
Bank premises and fixed assets$3,585
Other real estate owned$82
Goodwill and other intangibles$0
All other assets$4,725
Life insurance assets$310,748
Total liabilities and capital$280,242
Total liabilities$269,730
Total deposits$203,470
Interest-bearing deposits$269,730
Deposits held in domestic offices$85
% insured (estimated)10000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$127
Other borrowed funds $0
Subordinated debt $385
All other liabilities $30,506
Total equity capital$30,506
Total bank equity capital$30,506
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $28,506
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 $1,446
Earning assets $137
Long-term assets (5+ years) $3,063
Average Assets, year-to-date $289,851
Average Assets, quarterly $53,714
Volatile liabilities $299,651
Insider loans $303,810
FHLB advances $260,349
Loans and leases held for sale $306,836
Unused loan commitments $745
Tier 1 (core) risk-based capital $745
Tier 2 risk-based capital $32,337
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $36,259
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,256
Total interest expense $1,867
Net interest income $9,389
Provision for loan and lease losses $60
Total noninterest income $2,114
Fiduciary activities $0
Service charges on deposit accounts $725
Trading account gains & fees $0
Additional noninterest income $1,389
Total noninterest expense $6,885
Salaries and employee benefits $4,624
Premises and equipment expense $736
Additional noninterest expense $1,525
Pre-tax net operating income $4,558
Securities gains (losses) $463
Applicable income taxes $191
Income before extraordinary items $4,830
Extraordinary gains - net $0
Net income attributable to bank $4,830
Net charge-offs $0
Cash dividends $4,830
Sale, conversion, retirement of capital stock, net $24
Net operating income $4,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.01%
Cost of funding earning assets 0.67%
Net interest margin 3.35%
Noninterest income to earning assets 0.75%
Noninterest expense to earning assets 2.45%
Net operating income to assets 1.46%
Return on assets (ROA) 1.61%
Pretax return on assets 1.68%
Return on equity (ROE) 15.78%
Retained earnings to average equity (YTD only) 1.08%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 250.00%
Efficiency ratio192.42%
Assets per employee$59,141
Cash dividends to net income (YTD only)4.14%
Condition Ratios (%)
Loss allowance to loans 93.17%
Loss allowance to noncurrent loans 0.17%
Noncurrent assets plus other real estate owned to assets 12.93%
Noncurrent loans to loans 0.49%
Net loans and leases to deposits1.32%
Net loans and leases to core deposits 40.43%
Equity capital to assets 43.04%
Core capital (leverage) ratio 9.82%
Tier 1 risk-based capital ratio 10.54%
Total risk-based capital ratio 12.42%
Average assets$12
Average earning assets$299,651
Average equity $30,613
Average loans $280,459
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7 South Dakota Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0764First Fidelity BankMain Street, Burke, SD 57523January 01, 1905Full Service Brick and Mortar
1187926Bonesteel BranchMain Street, Bonesteel, SD 57317May 14, 1940Full Service Brick and Mortar
2187927Platte BranchMain Street, Platte, SD 57369October 08, 1973Full Service Brick and Mortar
3208695Gregory Branch113 East 6th Street, Gregory, SD 57533April 12, 1976Full Service Brick and Mortar
410337Colome BranchMain Street, Colome, SD 57528Febuary 03, 1944Full Service Brick and Mortar
51106Murdo BranchMain Street, Murdo, SD 57559March 17, 1906Full Service Brick and Mortar
612546Winner Branch246 West Second Street, Winner, SD 57580January 02, 1963Full Service Brick and Mortar
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