Reliabank Dakota in Estelline, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches


Reliabank Dakota - Overview

  • 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)

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
  • 52Total employees (full-time equivalent)
  • $222,993Total assets
  • $19,731Cash and due from depository institutions
  • $950Interest-bearing balances
  • $43,833Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $147,134Net loans & leases
  • $1,481Loan loss allowance
  • $213Trading account assets
  • $4,416Bank premises and fixed assets
  • $2,571Other real estate owned
  • $363Goodwill and other intangibles
  • $222,993Life insurance assets
  • $4,732All other assets
  • $202,834Total liabilities and capital
  • $193,234Total liabilities
  • $163,972Total deposits
  • $193,234Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $213Federal funds purchased & repurchase agreements
  • $7,500Trading liabilities
  • $0Other borrowed funds
  • $1,887Subordinated debt
  • $20,159All other liabilities
  • $20,159Total equity capital
  • $20,159Total bank equity capital
  • $0Perpetual preferred stock
  • $204Common stock
  • $8,247Surplus
  • $11,708Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $117Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $124Income earned, not collected on loans
  • $0Earning assets
  • $2,494Long-term assets (5+ years)
  • $191,917Average Assets, year-to-date
  • $67,496Average Assets, quarterly
  • $208,907Volatile liabilities
  • $215,647Insider loans
  • $181,537FHLB advances
  • $225,131Loans and leases held for sale
  • $450Unused loan commitments
  • $450Tier 1 (core) risk-based capital
  • $19,023Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $33,649Restructured Loans and leases
  • $865Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,798Total interest income
  • $3,025Total interest expense
  • $7,773Net interest income
  • $295Provision for loan and lease losses
  • $1,671Total noninterest income
  • $0Fiduciary activities
  • $614Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,057Additional noninterest income
  • $6,084Total noninterest expense
  • $3,439Salaries and employee benefits
  • $716Premises and equipment expense
  • $1,929Additional noninterest expense
  • $3,065Pre-tax net operating income
  • -$252Securities gains (losses)
  • $107Applicable income taxes
  • $2,706Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,706Net income attributable to bank
  • $0Net charge-offs
  • $2,706Cash dividends
  • $198Sale, conversion, retirement of capital stock, net
  • $1,262Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.97%Yield on earning assets
  • 1.67%Cost of funding earning assets
  • 4.29%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 14.37%Return on equity (ROE)
  • 7.67%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 148.99%Credit loss provision to net charge-offs
  • 16.97%Efficiency ratio
  • 64,422Assets per employee
  • 4.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.64%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 1194.35%Noncurrent assets plus other real estate owned to assets
  • 1.21%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 76.14%Net loans and leases to core deposits
  • 78.27%Equity capital to assets
  • 9.04%Core capital (leverage) ratio
  • 8.45%Tier 1 risk-based capital ratio
  • 10.48%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $208,907Average earning assets
  • $18,826Average equity
  • $180,980Average loans

List of branches

  • 8 South Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010420Reliabank Dakota211 North Main Street, Estelline, SD 57234September 01, 1920Full Service Brick and Mortar
    1363Hayti BranchMain Street, Hayti, SD 57241January 01, 1901Full Service Brick and Mortar
    2181724Hazel BranchMain Street, Hazel, SD 57242March 01, 1938Full Service Brick and Mortar
    3237622Watertown Branch1401 4th St Ne, Watertown, SD 57201January 29, 1997Full Service Brick and Mortar
    4365747Watertown Sw Branch830 10th Street, S.W., Watertown, SD 57201November 27, 2002Full Service Brick and Mortar
    5464178Hartford Branch304 West Highway 38, Suite 142, Hartford, SD 57033June 18, 2007Full Service Brick and Mortar
    6221591Humboldt Branch1003 West 2nd Avenue, Humboldt, SD 57035January 30, 1997Full Service Brick and Mortar
    7221592Tea Branch720 Kevin Drive, Tea, SD 57064September 07, 1999Full Service Brick and Mortar

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