The Roberts County National Bank of Sisseton in Sisseton, South Dakota (SD)
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| The Roberts County National Bank of Sisseton | |
|---|---|
| General | FDIC Certificate #: 4019 Status: Active Federal Reserve ID: 433158 Bank Holding Company (Regulatory Top Holder): Rcn Holding Company (RSSDID: 1891344, Location: Sisseton, SD) Date Established: September 01, 1896 WWW: http://www.rcnbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 2604 Numeric code: 3 Regulator: OCC 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: No 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: 5 East Maple Street, Sisseton, SD 57262 County: Roberts 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 |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $52.2 mil Equity capital: $9.7 mil Deposits held in domestic offices: $42.3 mil Return on assets (ROA): 1.47% ($0.8 mil) Quarterly return on assets: 0.52% ($0.3 mil) Return on Equity (ROE): 7.82% ($0.8 mil) Quarterly return on equity: 2.77% ($0.3 mil) Net income: $0.8 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.54% ($803.4 mil) Quarterly Pretax return on assets: 0.54% ($281.7 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 12 |
| Total assets | $52,172 |
| Cash and due from depository institutions | $3,811 |
| Interest-bearing balances | $1,732 |
| Securities | $34,673 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $13,093 |
| Loan loss allowance | $93 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $208 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $387 |
| Life insurance assets | $52,172 |
| Total liabilities and capital | $42,477 |
| Total liabilities | $42,335 |
| Total deposits | $35,583 |
| Interest-bearing deposits | $42,335 |
| Deposits held in domestic offices | $94 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $142 |
| All other liabilities | $9,695 |
| Total equity capital | $9,695 |
| Total bank equity capital | $9,695 |
| Perpetual preferred stock | $0 |
| Common stock | $250 |
| Surplus | $1,000 |
| Undivided profits | $8,445 |
| 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 | $0 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $304 |
| Average Assets, year-to-date | $49,498 |
| Average Assets, quarterly | $33,980 |
| Volatile liabilities | $51,413 |
| Insider loans | $52,235 |
| FHLB advances | $21,532 |
| Loans and leases held for sale | $53,523 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $8,787 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $1,282 |
| Derivatives | $49 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,948 |
| Total interest expense | $210 |
| Net interest income | $1,738 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $114 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $91 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $23 |
| Total noninterest expense | $1,081 |
| Salaries and employee benefits | $648 |
| Premises and equipment expense | $62 |
| Additional noninterest expense | $371 |
| Pre-tax net operating income | $771 |
| Securities gains (losses) | $21 |
| Applicable income taxes | $34 |
| Income before extraordinary items | $758 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $758 |
| Net charge-offs | $0 |
| Cash dividends | $758 |
| Sale, conversion, retirement of capital stock, net | $2 |
| Net operating income | $741 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.06% |
| Cost of funding earning assets | 0.44% |
| Net interest margin | 3.62% |
| Noninterest income to earning assets | 0.24% |
| Noninterest expense to earning assets | 2.25% |
| Net operating income to assets | 1.44% |
| Return on assets (ROA) | 1.47% |
| Pretax return on assets | 1.54% |
| Return on equity (ROE) | 7.82% |
| Retained earnings to average equity (YTD only) | 0.18% |
| Net charge-offs to loans | 0.02% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 385.50% |
| Assets per employee | $58,369 |
| Cash dividends to net income (YTD only) | 4.35% |
| Condition Ratios (%) | |
| Loss allowance to loans | 97.76% |
| Loss allowance to noncurrent loans | 0.71% |
| Noncurrent assets plus other real estate owned to assets | 0.00% |
| Noncurrent loans to loans | 0.00% |
| Net loans and leases to deposits | 0.00% |
| Net loans and leases to core deposits | 30.93% |
| Equity capital to assets | 30.93% |
| Core capital (leverage) ratio | 18.58% |
| Tier 1 risk-based capital ratio | 16.42% |
| Total risk-based capital ratio | 40.81% |
| Memoranda | |
| Average assets | $41 |
| Average earning assets | $51,413 |
| Average equity | $9,691 |
| Average loans | $48,027 |
| 1 South Dakota Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 2604 | The Roberts County National Bank Of | 5 East Maple Street, Sisseton, SD 57262 | September 01, 1896 | 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.