Hand County State Bank in Miller, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 2000

  • Hand County State Bank in Miller, South Dakota (SD)
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Hand County State Bank - Overview

  • General
  • FDIC Certificate #: 1128
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: American Bank & Trust (#1117)
    Federal Reserve ID: 414353
    Date Established: September 10, 1901
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    OTS Docket #: 12227
    FDIC's unique #: 770
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2000
    Last Structure Change Process Date: July 26, 2000
    Last Data Update: July 26, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 131 North Broadway, Miller, SD 57362
    County: Hand
    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
  • Financial Summary
  • Total assets: $49.0 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 14Total employees (full-time equivalent)
  • $49,312Total assets
  • $1,595Cash and due from depository institutions
  • $420Interest-bearing balances
  • $13,897Securities
  • $50Federal funds sold & reverse repurchase agreements
  • $31,166Net loans & leases
  • $492Loan loss allowance
  • $0Trading account assets
  • $697Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,907All other assets
  • $49,312Total liabilities and capital
  • $41,402Total liabilities
  • $40,109Total deposits
  • $36,286Interest-bearing deposits
  • $40,109Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,293All other liabilities
  • $7,910Total equity capital
  • $7,910Total bank equity capital
  • $7,910Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $2,900Undivided profits
  • Memoranda
  • $4,910Noncurrent loans and leases
  • $1,768Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2Earning assets
  • $0Long-term assets (5+ years)
  • $802Average Assets, year-to-date
  • $45,533Average Assets, quarterly
  • $3,599Volatile liabilities
  • $49,462Insider loans
  • $49,067FHLB advances
  • $4,114Loans and leases held for sale
  • $317Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,768Total unused commitments
  • $0Restructured Loans and leases
  • $459Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $3,719Total interest income
  • $1,566Total interest expense
  • $2,153Net interest income
  • -$425Provision for loan and lease losses
  • $228Total noninterest income
  • $0Fiduciary activities
  • $153Service charges on deposit accounts
  • $0Trading account gains & fees
  • $75Additional noninterest income
  • $1,506Total noninterest expense
  • $677Salaries and employee benefits
  • $189Premises and equipment expense
  • $640Additional noninterest expense
  • $1,300Pre-tax net operating income
  • -$123Securities gains (losses)
  • $59Applicable income taxes
  • $1,118Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,118Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $1,721Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.19%Yield on earning assets
  • 3.45%Cost of funding earning assets
  • 4.74%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 2.50%Net operating income to assets
  • 2.26%Return on assets (ROA)
  • 2.38%Pretax return on assets
  • 13.69%Return on equity (ROE)
  • -7.38%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • -8500.00%Credit loss provision to net charge-offs
  • 175.00%Efficiency ratio
  • 63,251Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 153.94%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 24600.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 77.70%Net loans and leases to core deposits
  • 86.58%Equity capital to assets
  • 16.04%Core capital (leverage) ratio
  • 15.95%Tier 1 risk-based capital ratio
  • 21.50%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $49,462Average earning assets
  • $8,167Average equity
  • $45,416Average loans

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