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



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First State Bank of Roscoe routing number info

Table of contents:
First State Bank of Roscoe
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)11
Total assets$98,058
Cash and due from depository institutions$9,366
Interest-bearing balances$5,000
Securities$12,033
Federal funds sold & reverse repurchase agreements$11,242
Net loans & leases$60,442
Loan loss allowance $741
Trading account assets$0
Bank premises and fixed assets$387
Other real estate owned$420
Goodwill and other intangibles$274
All other assets$3,894
Life insurance assets$98,058
Total liabilities and capital$89,124
Total liabilities$88,390
Total deposits$76,298
Interest-bearing deposits$88,390
Deposits held in domestic offices$77
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $734
All other liabilities $8,934
Total equity capital$8,934
Total bank equity capital$8,934
Perpetual preferred stock$0
Common stock$50
Surplus$3,918
Undivided profits $4,966
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 $12
Earning assets $0
Long-term assets (5+ years) $1,727
Average Assets, year-to-date $88,717
Average Assets, quarterly $6,918
Volatile liabilities $90,718
Insider loans $93,610
FHLB advances $67,504
Loans and leases held for sale $95,712
Unused loan commitments $1,773
Tier 1 (core) risk-based capital $1,773
Tier 2 risk-based capital $8,515
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $20,434
Derivatives$105
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,018
Total interest expense $1,210
Net interest income $2,808
Provision for loan and lease losses $146
Total noninterest income $156
Fiduciary activities $0
Service charges on deposit accounts $70
Trading account gains & fees $0
Additional noninterest income $86
Total noninterest expense $1,724
Salaries and employee benefits $767
Premises and equipment expense $145
Additional noninterest expense $812
Pre-tax net operating income $1,094
Securities gains (losses) $51
Applicable income taxes $54
Income before extraordinary items $1,091
Extraordinary gains - net $0
Net income attributable to bank $1,091
Net charge-offs $0
Cash dividends $1,091
Sale, conversion, retirement of capital stock, net -$9
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.92%
Cost of funding earning assets 1.48%
Net interest margin 3.44%
Noninterest income to earning assets 0.19%
Noninterest expense to earning assets 2.11%
Net operating income to assets 1.15%
Return on assets (ROA) 1.20%
Pretax return on assets 1.26%
Return on equity (ROE) 13.02%
Retained earnings to average equity (YTD only) 13.02%
Net charge-offs to loans -0.02%
Credit loss provision to net charge-offs -1622.22%
Efficiency ratio0.00%
Assets per employee$58,165
Cash dividends to net income (YTD only)8.91%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.21%
Noncurrent assets plus other real estate owned to assets 6175.00%
Noncurrent loans to loans 0.44%
Net loans and leases to deposits0.02%
Net loans and leases to core deposits 68.38%
Equity capital to assets 68.76%
Core capital (leverage) ratio 9.11%
Tier 1 risk-based capital ratio 8.90%
Total risk-based capital ratio 12.61%
Memoranda
Average assets$14
Average earning assets$90,718
Average equity $8,377
Average loans $81,632
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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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