Reliabank Dakota in Estelline, South Dakota (SD)
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| Reliabank Dakota | |
|---|---|
| General | FDIC Certificate #: 16221 Status: Active Federal Reserve ID: 108951 Bank Holding Company (Regulatory Top Holder): Big Sioux Financial, Inc. (RSSDID: 1363980, Location: Estelline, SD) Date Established: September 01, 1920 WWW: http://www.reliabank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 8 (Domestic: 8, Interstate: No) OTS Docket #: 14525 FDIC's unique #: 10420 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 02, 1945 Last Structure Change Effective Date: December 16, 2010 Last Structure Change Process Date: January 10, 2011 Last Data Update: January 10, 2011 Data Source Date: April 05, 2012 |
| Location | Address: 211 North Main Street, Estelline, SD 57234 County: Hamlin 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): Watertown, SD (#47980) CBSA Micro Statistical Area: Yes |
| History of Changes | Office Purchased |
| Financial Summary | Total assets: $223.0 mil Equity capital: $20.2 mil Deposits held in domestic offices: $193.2 mil Return on assets (ROA): 1.30% ($2.9 mil) Quarterly return on assets: 1.23% ($2.7 mil) Return on Equity (ROE): 14.37% ($2.9 mil) Quarterly return on equity: 13.33% ($2.7 mil) Net income: $2.7 mil Quarterly Net income: $0.7 mil Pretax return on assets: 1.35% ($3,010.4 mil) Quarterly Pretax return on assets: 1.19% ($2,653.6 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 52 |
| Total assets | $222,993 |
| Cash and due from depository institutions | $19,731 |
| Interest-bearing balances | $950 |
| Securities | $43,833 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $147,134 |
| Loan loss allowance | $1,481 |
| Trading account assets | $213 |
| Bank premises and fixed assets | $4,416 |
| Other real estate owned | $2,571 |
| Goodwill and other intangibles | $363 |
| All other assets | $4,732 |
| Life insurance assets | $222,993 |
| Total liabilities and capital | $202,834 |
| Total liabilities | $193,234 |
| Total deposits | $163,972 |
| Interest-bearing deposits | $193,234 |
| Deposits held in domestic offices | $81 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $213 |
| Trading liabilities | $7,500 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,887 |
| All other liabilities | $20,159 |
| Total equity capital | $20,159 |
| Total bank equity capital | $20,159 |
| Perpetual preferred stock | $0 |
| Common stock | $204 |
| Surplus | $8,247 |
| Undivided profits | $11,708 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $117 |
| Income earned, not collected on loans | $124 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $2,494 |
| Average Assets, year-to-date | $191,917 |
| Average Assets, quarterly | $67,496 |
| Volatile liabilities | $208,907 |
| Insider loans | $215,647 |
| FHLB advances | $181,537 |
| Loans and leases held for sale | $225,131 |
| Unused loan commitments | $450 |
| Tier 1 (core) risk-based capital | $450 |
| Tier 2 risk-based capital | $19,023 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $33,649 |
| Derivatives | $865 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $10,798 |
| Total interest expense | $3,025 |
| Net interest income | $7,773 |
| Provision for loan and lease losses | $295 |
| Total noninterest income | $1,671 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $614 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,057 |
| Total noninterest expense | $6,084 |
| Salaries and employee benefits | $3,439 |
| Premises and equipment expense | $716 |
| Additional noninterest expense | $1,929 |
| Pre-tax net operating income | $3,065 |
| Securities gains (losses) | -$252 |
| Applicable income taxes | $107 |
| Income before extraordinary items | $2,706 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $2,706 |
| Net charge-offs | $0 |
| Cash dividends | $2,706 |
| Sale, conversion, retirement of capital stock, net | $198 |
| Net operating income | $1,262 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.97% |
| Cost of funding earning assets | 1.67% |
| Net interest margin | 4.29% |
| Noninterest income to earning assets | 0.92% |
| Noninterest expense to earning assets | 3.36% |
| Net operating income to assets | 1.41% |
| Return on assets (ROA) | 1.30% |
| Pretax return on assets | 1.35% |
| Return on equity (ROE) | 14.37% |
| Retained earnings to average equity (YTD only) | 7.67% |
| Net charge-offs to loans | 0.13% |
| Credit loss provision to net charge-offs | 148.99% |
| Efficiency ratio | 16.97% |
| Assets per employee | $64,422 |
| Cash dividends to net income (YTD only) | 4.29% |
| Condition Ratios (%) | |
| Loss allowance to loans | 46.64% |
| Loss allowance to noncurrent loans | 1.00% |
| Noncurrent assets plus other real estate owned to assets | 1194.35% |
| Noncurrent loans to loans | 1.21% |
| Net loans and leases to deposits | 0.08% |
| Net loans and leases to core deposits | 76.14% |
| Equity capital to assets | 78.27% |
| Core capital (leverage) ratio | 9.04% |
| Tier 1 risk-based capital ratio | 8.45% |
| Total risk-based capital ratio | 10.48% |
| Memoranda | |
| Average assets | $11 |
| Average earning assets | $208,907 |
| Average equity | $18,826 |
| Average loans | $180,980 |
| 8 South Dakota Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 10420 | Reliabank Dakota | 211 North Main Street, Estelline, SD 57234 | September 01, 1920 | Full Service Brick and Mortar |  |
| 1 | 363 | Hayti Branch | Main Street, Hayti, SD 57241 | January 01, 1901 | Full Service Brick and Mortar |  |
| 2 | 181724 | Hazel Branch | Main Street, Hazel, SD 57242 | March 01, 1938 | Full Service Brick and Mortar | |
| 3 | 237622 | Watertown Branch | 1401 4th St Ne, Watertown, SD 57201 | January 29, 1997 | Full Service Brick and Mortar | |
| 4 | 365747 | Watertown Sw Branch | 830 10th Street, S.W., Watertown, SD 57201 | November 27, 2002 | Full Service Brick and Mortar | |
| 5 | 464178 | Hartford Branch | 304 West Highway 38, Suite 142, Hartford, SD 57033 | June 18, 2007 | Full Service Brick and Mortar | |
| 6 | 221591 | Humboldt Branch | 1003 West 2nd Avenue, Humboldt, SD 57035 | January 30, 1997 | Full Service Brick and Mortar | |
| 7 | 221592 | Tea Branch | 720 Kevin Drive, Tea, SD 57064 | September 07, 1999 | Full Service Brick and Mortar | |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.