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

  • First State Bank of Roscoe in Roscoe, South Dakota (SD)
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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
  • NoIDNameAddressEstablishedService TypeMap
    05751First State Bank Of Roscoe201 N Main St, Roscoe, SD 57471May 23, 1903Full Service Brick and Mortar
    1219295Bowdle Branch5002 South Fourth Avenue, Bowdle, SD 57428December 07, 1999Full Service Brick and Mortar

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