First State Bank of Warner, S. Dak. in Warner, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

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

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 13Total employees (full-time equivalent)
  • $49,630Total assets
  • $8,811Cash and due from depository institutions
  • $6,592Interest-bearing balances
  • $6,601Securities
  • $67Federal funds sold & reverse repurchase agreements
  • $30,216Net loans & leases
  • $677Loan loss allowance
  • $0Trading account assets
  • $1,227Bank premises and fixed assets
  • $420Other real estate owned
  • $0Goodwill and other intangibles
  • $49,630Life insurance assets
  • $2,288All other assets
  • $45,995Total liabilities and capital
  • $45,814Total liabilities
  • $33,834Total deposits
  • $45,814Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $181Subordinated debt
  • $3,635All other liabilities
  • $3,635Total equity capital
  • $3,635Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $3,020Surplus
  • $315Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $112Income earned, not collected on loans
  • $0Earning assets
  • $560Long-term assets (5+ years)
  • $43,476Average Assets, year-to-date
  • $10,034Average Assets, quarterly
  • $48,798Volatile liabilities
  • $48,406Insider loans
  • $33,842FHLB advances
  • $49,911Loans and leases held for sale
  • $1,480Unused loan commitments
  • $1,480Tier 1 (core) risk-based capital
  • $3,447Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,404Restructured Loans and leases
  • $875Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,331Total interest income
  • $499Total interest expense
  • $1,832Net interest income
  • $0Provision for loan and lease losses
  • $274Total noninterest income
  • $0Fiduciary activities
  • $91Service charges on deposit accounts
  • $0Trading account gains & fees
  • $183Additional noninterest income
  • $1,847Total noninterest expense
  • $797Salaries and employee benefits
  • $352Premises and equipment expense
  • $698Additional noninterest expense
  • $259Pre-tax net operating income
  • -$1Securities gains (losses)
  • $11Applicable income taxes
  • $247Income before extraordinary items
  • $0Extraordinary gains - net
  • $247Net income attributable to bank
  • $0Net charge-offs
  • $247Cash dividends
  • $71Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.35%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 4.21%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 4.24%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 7.11%Return on equity (ROE)
  • 7.11%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 3.65%Efficiency ratio
  • 87,702Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.19%Loss allowance to noncurrent loans
  • 604.46%Noncurrent assets plus other real estate owned to assets
  • 1.07%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 65.95%Net loans and leases to core deposits
  • 67.67%Equity capital to assets
  • 7.32%Core capital (leverage) ratio
  • 6.91%Tier 1 risk-based capital ratio
  • 10.19%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $48,798Average earning assets
  • $3,472Average equity
  • $43,558Average loans

List of branches

  • 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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