NINTH FEDERAL RESERVE DISTRICT, BANK DIRECTORY, BY STATE DATA FOR DECEMBER 31, 1994 (SOME COLUMNS ARE HIDDEN) Loan Portfolio Performance Ratios Loan Categories as a Percent of Total Loans SOUTH DAKOTA Total Capital Total Loans Return Net Non-Curre Assets (in as a % of (in thousands Commercial Total Loans: Real Loans to Other on Average Return onInterest Loans to Loans to Bank Name City thousands of $) Assets of $) & Industrial Agricultural Estate Individua Loans Assets Equity Margin Deposits Total Loa NORWEST BK SD NA SIOUX FALLS 4,267,611 5.3 3,084,671 9.1 9.7 13.8 66.0 1.3 1.2 23.3 3.9 151.2 0.4 FIRST BK SD NA SIOUX FALLS 1,289,717 8.2 1,188,864 43.7 0.7 18.5 35.2 2.0 2.8 34.9 4.3 188.2 0.6 FIRST NB IN SIOUX FALLS SIOUX FALLS 367,763 9.0 205,442 52.4 10.9 29.5 6.5 0.7 1.1 11.9 4.4 65.7 1.6 WESTERN BK SIOUX FALLS 319,034 7.9 234,646 17.3 13.6 30.0 38.6 0.5 0.7 8.8 5.3 87.5 0.8 FIRST NB IN BROOKINGS BROOKINGS 308,595 8.0 238,631 28.7 24.3 28.8 16.3 1.8 1.2 14.8 4.8 96.9 3.3 FIRST DAKOTA NB YANKTON 244,474 9.2 162,315 25.2 29.5 27.5 16.3 1.4 1.5 15.2 5.3 79.3 0.6 BANKWEST PIERRE 235,431 6.5 155,423 18.8 48.8 15.9 15.7 0.9 1.0 15.2 4.7 73.2 0.1 FIRST PREMIER BK NA SIOUX FALLS 210,232 9.6 76,400 21.3 9.6 42.1 26.4 0.6 1.9 22.6 5.0 40.0 7.9 FIRST NB SD YANKTON 190,168 7.5 149,712 9.6 8.6 12.2 69.3 0.4 1.5 19.0 5.8 85.1 0.9 PIONEER B&TC BELLE FOURCHE 172,335 11.3 70,939 35.8 21.3 28.9 13.6 0.3 1.3 12.5 4.4 46.9 0.6 COMMERCIAL T&SB MITCHELL 153,916 10.3 105,261 27.4 24.0 15.2 31.2 2.2 1.3 13.2 5.0 76.6 0.9 FIRST WESTERN BK STURGIS STURGIS 150,621 9.1 95,472 21.4 28.8 32.0 17.4 0.3 1.4 15.4 5.1 68.9 0.9 FARMERS & MERCHANTS B&TC ABERDEEN 146,574 10.7 98,721 18.8 45.2 26.0 8.2 1.9 1.3 12.7 4.6 74.7 1.6 FARMERS & MERCHANTS BK HURON 146,312 13.6 87,348 12.9 40.1 28.8 15.0 3.3 1.2 9.3 4.3 69.1 1.1 FIRST FIDELITY BK BURKE 143,371 13.7 72,265 9.9 67.4 13.8 8.3 0.6 1.6 12.4 5.4 57.0 3.1 MARQUETTE BK OF SOUTH DAKOTA SIOUX FALLS 133,555 8.3 92,084 21.1 5.3 53.7 19.2 0.7 1.0 11.9 4.9 76.9 1.2 CORTRUST BK MITCHELL 129,775 8.1 92,336 20.5 24.1 40.6 14.0 0.8 0.6 7.3 4.5 82.3 0.8 FARMERS & MERCHANTS B&TC WATERTOWN 125,359 7.3 82,311 15.4 23.2 32.9 27.0 1.5 1.1 15.7 5.2 71.8 0.4 BANK OF SD WATERTOWN 124,686 9.3 88,192 5.6 0.2 80.5 13.6 0.0 0.2 2.0 3.4 83.7 6.0 BANK OF HOVEN HOVEN 121,354 16.2 75,616 3.0 35.0 1.3 60.8 0.0 4.1 28.5 12.9 74.1 0.1 FIRST NB PIERRE 105,804 7.4 75,137 11.7 27.1 44.0 17.0 0.2 1.5 20.0 4.9 78.9 0.0 RUSHMORE ST BK RAPID CITY 91,099 6.8 62,140 27.6 0.0 51.4 20.7 0.3 1.2 18.1 5.2 75.7 0.4 COMMERCIAL ST BK OF WAGNER WAGNER 86,649 13.1 53,298 19.3 58.4 6.9 11.5 3.8 2.2 17.0 5.8 70.7 0.6 COMMUNITY FIRST ST BK REDFIELD 84,481 8.7 53,408 24.8 40.7 15.4 16.3 2.8 1.4 16.6 4.6 71.2 0.1 FIRST NB IN PHILIP PHILIP 75,755 12.3 60,459 13.8 77.7 1.8 5.8 1.0 1.8 14.6 4.9 90.9 0.5 FIRST ST BK MILLER MILLER 74,297 9.5 46,202 13.6 63.1 12.7 10.2 0.3 1.3 15.1 4.5 67.7 0.0 AMERICAN ST BK WESSINGTON SPRINGS 71,427 11.4 47,556 11.8 74.7 4.4 7.8 1.3 1.6 15.0 4.9 73.9 1.9 DAKOTA ST BK MILBANK 70,694 7.5 40,798 24.1 20.3 28.6 24.9 2.1 1.6 20.5 4.5 64.1 0.1 FARMERS ST BK PARKSTON 70,447 14.9 29,513 14.9 65.4 10.2 8.7 0.8 1.5 10.2 4.3 45.1 2.4 BANK OF LEMMON LEMMON 70,295 9.7 38,790 15.9 63.1 13.0 7.6 0.4 1.2 13.2 4.2 59.8 0.8 BANKFIRST NA BROOKINGS 62,366 9.3 46,075 11.4 44.3 17.1 7.1 20.1 1.7 19.7 5.3 82.4 1.9 FIRST WESTERN BK WALL 60,039 10.8 31,575 19.8 60.8 10.4 8.4 0.6 1.3 13.2 5.1 59.5 0.0 VALLEY BK ELK POINT 55,034 12.1 33,461 28.8 16.3 41.6 11.3 1.9 1.3 10.6 5.1 70.9 1.0 CITIZENS BK CLARK 54,792 9.4 35,170 12.1 61.2 14.4 11.8 0.6 1.0 11.1 4.5 69.4 2.7 AMERICAN ST BK OF PIERRE PIERRE 54,707 7.8 41,000 19.5 57.5 15.8 7.2 0.0 1.4 17.9 5.7 82.3 0.0 TRI COUNTY ST BK CHAMBERLAIN 54,574 9.5 28,888 22.4 46.6 19.0 11.5 0.5 1.6 17.7 4.8 59.0 0.3 HAND COUNTY ST BK MILLER 52,896 13.0 35,064 9.9 72.6 6.4 10.8 0.2 1.6 12.5 5.1 83.8 0.0 CITIZENS BK OF MOBRIDGE MOBRIDGE 52,691 10.5 20,790 6.5 75.5 10.3 7.5 0.2 1.1 10.7 3.7 43.5 0.0 FIRST MADISON BK MADISON 51,011 11.3 28,514 28.3 12.5 38.0 16.2 5.1 1.5 13.7 5.4 62.8 0.0 FIRST ST BK ARMOUR 50,416 8.9 32,020 12.4 67.2 10.2 9.9 0.3 1.0 10.7 4.7 70.3 1.1 COMMUNITY FIRST ST BK VERMILLION 50,176 8.7 27,585 39.3 6.2 35.4 15.1 3.9 1.3 14.3 4.3 63.3 0.7 STATE BK OF ALCESTER ALCESTER 48,536 8.6 29,524 11.4 59.7 13.1 15.4 0.5 0.9 11.2 4.6 65.6 1.2 DEUEL COUNTY NB CLEAR LAKE 46,209 10.7 28,587 6.2 66.9 12.3 12.5 2.1 1.6 15.1 4.7 71.7 0.9 SECURITY B&TC WEBSTER 45,625 10.4 23,987 16.8 59.0 17.1 6.8 0.3 1.1 11.7 4.3 57.2 7.4 ROBERTS COUNTY NB OF SISSETON SISSETON 44,823 14.7 5,852 11.7 59.0 15.7 13.3 0.3 1.4 9.6 4.3 15.2 0.0 VALLEY EXCHANGE BK LENNOX 43,237 14.1 21,087 15.2 49.8 23.1 11.8 0.2 1.0 7.4 4.3 56.6 0.7 FARMERS ST BK FLANDREAU 42,723 8.7 25,758 18.9 45.1 17.1 15.4 3.5 1.0 12.1 4.5 65.5 2.3 MERCHANTS ST BK FREEMAN 41,774 10.2 29,250 9.5 60.2 20.8 9.0 0.6 1.3 12.9 5.1 78.7 0.5 FARMERS & MERCHANTS ST BK PLANKINTON 41,426 16.6 23,663 11.5 58.4 19.3 8.9 1.8 1.6 10.2 5.6 67.7 1.3 FIRST NB OF FREEMAN FREEMAN 40,627 11.0 13,788 15.9 61.5 13.1 9.1 0.5 0.6 6.6 2.9 37.4 0.0 DAKOTA ST BK COLMAN 40,625 8.8 24,679 16.8 32.9 35.6 14.4 0.3 0.6 7.1 5.0 65.8 1.1 SECURITY ST BK TYNDALL 40,012 15.9 31,507 8.1 75.9 9.0 7.0 0.0 1.4 9.2 5.2 92.9 0.2 FIRST WESTERN BK CUSTER CUSTER 38,724 9.8 19,830 35.2 12.9 39.0 12.8 0.1 1.2 12.7 5.2 55.8 0.2 AMERICAN ST BK OF RAPID CITY RAPID CITY 37,816 6.9 25,108 30.8 1.1 58.6 9.4 0.1 1.2 20.0 5.2 70.1 0.5 FARMERS ST BK VIBORG 37,157 10.2 26,242 7.2 78.8 5.6 6.8 1.5 1.7 17.8 6.1 78.8 2.3 PEOPLES ST BK DE SMET 36,187 17.8 24,313 20.3 53.8 15.8 9.8 0.3 1.7 9.9 4.7 80.7 0.2 SECURITY ST BK ALEXANDRIA 35,555 11.7 19,942 8.4 63.7 11.5 16.0 0.4 0.8 7.3 4.2 63.1 0.4 1ST FINANCIAL BK SD DUPREE 33,550 7.1 21,817 1.7 19.8 0.9 77.7 0.0 0.6 8.7 7.4 70.0 2.5 CITIZENS ST BK OF ARLINGTON ARLINGTON 32,187 10.1 19,096 10.8 55.4 20.9 11.9 1.0 0.9 9.1 4.2 63.7 0.2 FARMERS ST BK OF ESTELLINE ESTELLINE 31,622 8.3 22,903 9.1 70.7 10.3 8.3 1.6 1.2 14.7 4.6 80.8 0.7 CAMPBELL COUNTY BK HERREID 29,470 12.4 17,515 11.4 86.2 0.4 1.8 0.1 1.5 12.3 5.5 66.9 0.0 SECURITY ST BK MADISON 26,036 10.5 16,346 7.0 28.7 49.4 13.7 1.3 0.3 2.6 5.1 83.5 1.2 PEOPLES BK CONDE 26,031 8.1 19,929 11.5 35.5 18.1 34.9 0.0 1.2 15.3 5.0 83.3 0.0 EUREKA ST BK EUREKA 25,927 9.5 10,191 13.9 77.9 2.3 5.9 0.0 1.3 13.3 5.6 43.8 4.4 MENNO ST BK MENNO 25,694 10.7 9,743 6.8 75.6 7.3 9.4 1.0 0.8 7.3 3.7 42.3 3.4 FARMERS ST BK OF CANTON CANTON 25,630 10.6 16,407 20.4 40.7 24.9 13.5 0.5 0.9 8.4 5.1 70.7 0.5 FARMERS ST BK STICKNEY STICKNEY 25,031 7.3 17,835 8.9 81.0 5.7 4.2 0.2 1.5 19.6 4.4 78.1 0.0 FIRST AMERICAN BK CANTON 23,598 9.6 15,632 18.8 49.7 18.4 10.6 2.5 1.3 13.3 5.5 72.9 0.2 FIRST ST BK OF ROSCOE ROSCOE 23,467 11.2 14,036 13.0 83.5 0.0 3.5 0.0 0.9 8.2 4.3 67.3 0.0 COMMUNITY BK AVON 23,335 18.3 8,536 11.4 72.6 1.6 14.2 0.2 0.9 5.3 4.1 44.2 3.1 IPSWICH ST BK IPSWICH 23,077 15.6 12,134 8.2 73.5 8.7 9.6 0.0 0.9 6.0 5.1 60.6 1.4 DRAPER ST BK PRESHO 22,887 8.1 14,564 6.3 78.5 9.3 5.6 0.3 1.3 16.0 5.3 67.7 1.9 FIRST MIDWEST BK CENTERVILLE 21,932 14.9 12,611 17.5 56.0 12.0 11.6 2.9 1.2 8.2 5.0 67.2 0.2 FARMERS ST BK FAITH 21,782 7.8 11,602 6.9 82.4 5.9 4.8 0.0 1.6 21.2 5.2 57.7 0.1 FARMERS ST BK MARION 21,712 9.3 15,111 12.3 56.2 22.8 8.7 0.0 1.3 14.1 5.9 76.0 1.1 SECURITY ST BK EMERY 21,195 13.9 9,367 30.1 41.6 14.6 13.5 0.3 0.9 6.3 4.2 50.8 0.3 DAKOTA ST BK OF BLUNT SD BLUNT 20,897 7.9 11,215 7.5 64.7 16.1 11.4 0.3 1.2 15.3 5.1 59.4 0.0 FAULK COUNTY ST BK FAULKTON 20,863 12.9 8,254 8.3 81.6 3.8 5.9 0.4 1.2 9.7 4.1 44.4 1.3 DAKOTA HERITAGE ST BK CHANCELLOR 20,654 12.3 10,768 23.6 52.6 14.4 9.0 0.3 1.3 10.1 4.4 57.7 7.5 FIRST NB IN GARRETSON GARRETSON 20,427 11.6 13,301 18.7 61.9 9.4 10.0 0.0 0.9 6.0 3.5 73.4 1.7 DAY COUNTY BK WEBSTER 20,331 8.4 10,570 23.2 31.2 21.2 24.3 0.1 1.3 15.7 4.5 56.1 0.0 FIRST NB OF WHITE WHITE 20,163 7.7 14,138 5.2 27.5 61.2 6.0 0.0 1.3 18.9 3.6 75.7 0.0 FARMERS & MERCHANTS ST IROQUOIS 19,495 7.8 14,425 11.1 72.6 8.8 7.4 0.1 1.3 16.0 4.6 80.1 0.1 CORN EXCHANGE BK ELKTON 18,901 11.2 13,881 8.2 72.3 10.2 9.2 0.1 1.4 12.4 4.5 82.6 1.8 FIRST ST BK OF WARNER WARNER 18,752 12.9 12,127 17.9 69.5 2.6 9.9 0.2 1.1 9.1 4.7 78.1 2.1 STOCKMENS BK MARTIN 18,615 14.8 11,297 10.8 78.1 6.1 4.6 0.4 0.3 2.1 3.5 70.4 0.3 FIRST ST BK OF CLAREMONT CLAREMONT 18,162 19.2 13,212 1.4 95.7 0.0 2.9 0.0 0.9 4.8 5.5 88.7 0.1 MINER COUNTY BK HOWARD 17,848 16.0 10,266 12.7 56.3 21.6 8.0 1.4 0.9 5.8 5.2 64.6 1.0 ONIDA BK ONIDA 17,456 9.8 11,145 4.3 83.5 5.6 6.5 0.1 1.4 14.7 5.2 69.6 1.5 AMERICAN ST BK OLDHAM 17,453 12.6 8,544 6.8 75.1 9.3 8.5 0.2 0.8 6.6 4.3 56.0 0.3 WILMOT ST BK WILMOT 17,354 9.2 7,823 11.5 72.7 8.1 7.1 0.5 2.2 24.2 4.6 50.1 2.3 FIRST NB OF VOLGA VOLGA 16,852 9.5 11,791 6.7 31.3 46.9 15.0 0.1 1.3 13.7 4.8 76.5 4.3 STATE BK OF EAGLE BUTTE EAGLE BUTTE 16,605 12.0 7,214 17.3 48.8 9.2 23.9 0.7 1.1 9.3 6.0 47.7 1.3 FARMERS ST BK OF TURTON TURTON 16,069 10.5 10,256 8.1 80.6 3.8 7.4 0.2 0.3 3.0 4.8 77.9 0.1 FULTON ST BK FULTON 15,415 12.5 10,491 12.3 60.5 14.0 12.7 0.6 0.2 1.2 4.7 77.3 1.4 COMMUNITY ST BK STOCKHOLM 14,100 10.7 9,262 12.9 68.9 12.7 4.6 0.9 0.8 8.1 4.6 72.7 0.4 BRYANT ST BK BRYANT 14,086 14.4 7,209 4.9 69.9 19.7 5.5 0.1 1.1 7.9 4.3 58.7 0.1 HEARTLAND ST BK WESSINGTON 13,266 5.6 10,889 13.2 67.2 3.2 16.4 0.0 0.7 11.2 5.9 89.1 1.8 FARMERS & MERCHANTS ST BK SCOTLAND 13,179 10.1 7,020 17.6 55.6 17.1 9.3 0.4 0.6 6.2 5.0 58.5 2.6 FARMERS ST BK HOSMER 12,689 18.1 9,232 18.3 68.0 5.9 7.7 0.1 1.5 7.9 6.0 88.7 0.4 ANDES ST BK LAKE ANDES 12,637 11.1 4,026 6.3 46.9 27.1 18.9 0.8 0.6 5.0 4.0 34.5 0.1 STATE BK OF HUDSON HUDSON 12,355 12.4 9,037 12.7 66.1 11.9 9.0 0.3 0.9 7.3 4.4 82.6 0.3 DEWEY COUNTY BK TIMBER LAKE 11,940 10.9 5,161 11.3 73.8 4.6 10.0 0.2 1.8 17.2 5.6 45.0 0.4 LANGFORD ST BK LANGFORD 11,723 15.0 4,894 4.5 93.6 0.6 1.3 0.0 1.0 7.1 4.4 46.5 0.0 BANK OF BRUCE BRUCE 11,687 13.8 6,046 2.5 65.0 14.6 17.8 0.0 0.7 5.0 3.8 58.6 1.6 FIRST ST BK OF SINAI SINAI 11,477 13.3 9,532 4.6 90.5 0.9 4.0 0.0 0.8 6.3 4.5 95.8 0.4 FIRST ST BK BRIDGEWATER 11,458 11.9 5,501 5.2 77.3 9.7 7.7 0.1 0.4 3.3 4.1 52.9 1.6 FIRST NB OF FREDERICK FREDERICK 11,028 15.3 3,092 2.6 95.2 0.0 2.2 0.0 1.0 6.7 3.8 32.3 2.1 PEOPLES ST BK SUMMIT 10,015 9.5 6,103 8.2 80.9 2.3 8.5 0.1 1.3 14.5 5.0 65.9 0.0 FARMERS ST BK KAYLOR 9,817 20.5 3,380 5.1 85.7 2.3 6.8 0.1 0.7 3.7 3.6 43.2 1.5 FIRST NB OF EDEN EDEN 9,414 10.9 5,670 11.2 82.8 0.6 5.4 0.0 2.2 19.0 6.0 68.1 1.1 MANSFIELD ST BK MANSFIELD 8,658 17.9 2,891 0.2 96.9 1.5 1.3 0.1 0.6 3.5 4.4 39.3 0.0