First State Bank of Warner, S. Dak. in Warner, South Dakota (SD)



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First State Bank of Warner, S. Dak. routing number info

Table of contents:
First State Bank of Warner, S. Dak.
GeneralFDIC Certificate #: 6074
Status: Active
Federal Reserve ID: 132152
Bank Holding Company (Regulatory Top Holder): First Bank Shares Corporation (RSSDID: 1126206, Location: Warner, SD)
Date Established: November 15, 1906
WWW: http://www.fsbwarner.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 4099
Numeric code: 13
Regulator: FED
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: 1 Main Street, Warner, SD 57479
County: Brown
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $49.6 mil
Equity capital: $3.6 mil
Deposits held in domestic offices: $45.8 mil
Return on assets (ROA): 0.51% ($0.3 mil)
Quarterly return on assets: 0.80% ($0.4 mil)
Return on Equity (ROE): 7.11% ($0.3 mil)
Quarterly return on equity: 10.77% ($0.4 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.53% ($263.0 mil)
Quarterly Pretax return on assets: 0.92% ($456.6 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)13
Total assets$49,630
Cash and due from depository institutions$8,811
Interest-bearing balances$6,592
Securities$6,601
Federal funds sold & reverse repurchase agreements$67
Net loans & leases$30,216
Loan loss allowance $677
Trading account assets$0
Bank premises and fixed assets$1,227
Other real estate owned$420
Goodwill and other intangibles$0
All other assets$2,288
Life insurance assets$49,630
Total liabilities and capital$45,995
Total liabilities$45,814
Total deposits$33,834
Interest-bearing deposits$45,814
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $181
All other liabilities $3,635
Total equity capital$3,635
Total bank equity capital$3,635
Perpetual preferred stock$0
Common stock$300
Surplus$3,020
Undivided profits $315
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 $112
Earning assets $0
Long-term assets (5+ years) $560
Average Assets, year-to-date $43,476
Average Assets, quarterly $10,034
Volatile liabilities $48,798
Insider loans $48,406
FHLB advances $33,842
Loans and leases held for sale $49,911
Unused loan commitments $1,480
Tier 1 (core) risk-based capital $1,480
Tier 2 risk-based capital $3,447
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,404
Derivatives$875
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,331
Total interest expense $499
Net interest income $1,832
Provision for loan and lease losses $0
Total noninterest income $274
Fiduciary activities $0
Service charges on deposit accounts $91
Trading account gains & fees $0
Additional noninterest income $183
Total noninterest expense $1,847
Salaries and employee benefits $797
Premises and equipment expense $352
Additional noninterest expense $698
Pre-tax net operating income $259
Securities gains (losses) -$1
Applicable income taxes $11
Income before extraordinary items $247
Extraordinary gains - net $0
Net income attributable to bank $247
Net charge-offs $0
Cash dividends $247
Sale, conversion, retirement of capital stock, net $71
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 assets5.35%
Cost of funding earning assets 1.15%
Net interest margin 4.21%
Noninterest income to earning assets 0.63%
Noninterest expense to earning assets 4.24%
Net operating income to assets 0.51%
Return on assets (ROA) 0.51%
Pretax return on assets 0.53%
Return on equity (ROE) 7.11%
Retained earnings to average equity (YTD only) 7.11%
Net charge-offs to loans 0.23%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio3.65%
Assets per employee$87,702
Cash dividends to net income (YTD only)3.82%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.19%
Noncurrent assets plus other real estate owned to assets 604.46%
Noncurrent loans to loans 1.07%
Net loans and leases to deposits0.36%
Net loans and leases to core deposits 65.95%
Equity capital to assets 67.67%
Core capital (leverage) ratio 7.32%
Tier 1 risk-based capital ratio 6.91%
Total risk-based capital ratio 10.19%
Memoranda
Average assets$11
Average earning assets$48,798
Average equity $3,472
Average loans $43,558
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3 South Dakota Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04099First State Bank Of Warner, S. Dak.1 Main Street, Warner, SD 57479November 15, 1906Full Service Brick and Mortar
1208670Aberdeen Branch3315 6th Avenue Southeast, Aberdeen, SD 57401May 01, 1998Limited Service Facility
2362918Aberdeen Ken's Branch2201 6th Ave. Se, Aberdeen, SD 57401December 05, 2001Full Service Retail
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