First State Bank of Roscoe in city_name, state_name - Detailed Financial Reports, Location

First State Bank of Roscoe in Roscoe, South Dakota (SD)
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First State Bank of Roscoe routing number info

First State Bank of Roscoe - Overview

General
FDIC Certificate #: 9005
Status: Active
Federal Reserve ID: 189950
Bank Holding Company (Regulatory Top Holder): Roscoe Community Bankshares, Inc. (RSSDID: 2619059, Location: Roscoe, SD)
Date Established: May 23, 1903
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 5751
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: 201 N Main St, Roscoe, SD 57471
County: Edmunds
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
Core Based Statistical Area (CBSA): Aberdeen, SD (#10100)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $98.1 mil
Equity capital: $8.9 mil
Deposits held in domestic offices: $88.4 mil
Return on assets (ROA): 1.20% ($1.2 mil)
Quarterly return on assets: 0.99% ($1.0 mil)
Return on Equity (ROE): 13.02% ($1.2 mil)
Quarterly return on equity: 10.46% ($0.9 mil)
Net income: $1.1 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.26% ($1,235.5 mil)
Quarterly Pretax return on assets: 1.05% ($1,029.6 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
11Total employees (full-time equivalent)
$98,058Total assets
$9,366Cash and due from depository institutions
$5,000Interest-bearing balances
$12,033Securities
$11,242Federal funds sold & reverse repurchase agreements
$60,442Net loans & leases
$741Loan loss allowance
$0Trading account assets
$387Bank premises and fixed assets
$420Other real estate owned
$274Goodwill and other intangibles
$98,058Life insurance assets
$3,894All other assets
$89,124Total liabilities and capital
$88,390Total liabilities
$76,298Total deposits
$88,390Interest-bearing deposits
$77Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$734Subordinated debt
$8,934All other liabilities
$8,934Total equity capital
$8,934Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$3,918Surplus
$4,966Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$12Income earned, not collected on loans
$0Earning assets
$1,727Long-term assets (5+ years)
$88,717Average Assets, year-to-date
$6,918Average Assets, quarterly
$90,718Volatile liabilities
$93,610Insider loans
$67,504FHLB advances
$95,712Loans and leases held for sale
$1,773Unused loan commitments
$1,773Tier 1 (core) risk-based capital
$8,515Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$20,434Restructured Loans and leases
$105Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,018Total interest income
$1,210Total interest expense
$2,808Net interest income
$146Provision for loan and lease losses
$156Total noninterest income
$0Fiduciary activities
$70Service charges on deposit accounts
$0Trading account gains & fees
$86Additional noninterest income
$1,724Total noninterest expense
$767Salaries and employee benefits
$145Premises and equipment expense
$812Additional noninterest expense
$1,094Pre-tax net operating income
$51Securities gains (losses)
$54Applicable income taxes
$1,091Income before extraordinary items
$0Extraordinary gains - net
$1,091Net income attributable to bank
$0Net charge-offs
$1,091Cash dividends
-$9Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.92%Yield on earning assets
1.48%Cost of funding earning assets
3.44%Net interest margin
0.19%Noninterest income to earning assets
2.11%Noninterest expense to earning assets
1.15%Net operating income to assets
1.20%Return on assets (ROA)
1.26%Pretax return on assets
13.02%Return on equity (ROE)
13.02%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
-1622.22%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,165Assets per employee
8.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
6175.00%Noncurrent assets plus other real estate owned to assets
0.44%Noncurrent loans to loans
0.02%Net loans and leases to deposits
68.38%Net loans and leases to core deposits
68.76%Equity capital to assets
9.11%Core capital (leverage) ratio
8.90%Tier 1 risk-based capital ratio
12.61%Total risk-based capital ratio
Memoranda
$14Average assets
$90,718Average earning assets
$8,377Average equity
$81,632Average loans

List of branches

2 South Dakota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	5751	First State Bank Of Roscoe	201 N Main St, Roscoe, SD 57471	May 23, 1903	Full Service Brick and Mortar
1	219295	Bowdle Branch	5002 South Fourth Avenue, Bowdle, SD 57428	December 07, 1999	Full Service Brick and Mortar

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

First State Bank of Roscoe - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First State Bank of Roscoe - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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