NINTH FEDERAL RESERVE DISTRICT, BANK DIRECTORY, BY STATE DATA FOR DECEMBER 31, 1995 SOUTH DAKOTA LOAN PORTFOLIO PERFORMANCE RATIOS (PERCENT) NAME CITY COUNTY TOTAL CAPITAL LOAN CATEGORIES AS A PERCENT OF TOTAL LOANS NET NON-C CODE ASSETS AS A % OFTOTAL LOANS COMMERCIAL REAL LOANS TO OTHER RETURN ON RETURN ONINTERESTLOANS TO LOANS T (IN THOUS.) ASSETS (IN THOUS.) & INDUSTRIALAGRICULTURA ESTATE INDIVIDUALS LOANS AVE ASSETS EQUITY MARGIN DEPOSITSTOTAL LO NORWEST BK SD NA SIOUX FALLS 99 5,241,197 5.3 3,608,532 8.8 8.7 12.1 69.2 1.1 1.5 28.5 3.5 166.8 0.5 FIRST BK SD NA SIOUX FALLS 99 1,775,447 7.5 1,562,663 43.6 2.3 20.0 32.7 1.5 1.4 14.0 3.2 147.4 0.5 FIRST NB IN SIOUX FALLS SIOUX FALLS 99 433,895 8.6 217,221 43.1 11.4 34.7 10.3 0.5 0.9 10.4 4.5 63.1 3.0 FIRST NB IN BROOKINGS BROOKINGS 11 329,967 8.2 224,158 26.9 20.8 32.8 17.5 2.0 0.6 6.7 4.0 85.8 6.4 BANKWEST PIERRE 65 239,352 6.9 158,899 20.1 47.6 17.5 14.1 0.7 0.6 9.3 4.7 72.5 1.3 FIRST DAKOTA NB YANKTON 135 239,228 8.7 176,720 25.4 28.4 26.9 18.2 1.2 1.7 19.0 5.2 83.0 0.9 FIRST PREMIER BK NA SIOUX FALLS 99 219,423 9.0 103,373 19.5 6.4 33.9 39.6 0.6 2.0 20.5 5.2 57.2 2.7 FIRST NB SD YANKTON 135 204,126 8.2 157,518 9.1 9.4 13.2 68.3 0.0 1.1 14.9 5.5 85.2 1.4 PIONEER B&TC BELLE FOURCHE 19 183,538 11.2 78,360 30.3 22.5 33.6 13.3 0.3 1.4 12.9 4.6 49.1 0.4 FIRST WESTERN BK STURGIS STURGIS 93 165,289 9.2 111,939 22.1 26.2 35.0 15.9 0.8 1.3 14.3 4.8 75.6 0.8 COMMUNITY FIRST ST BK REDFIELD 115 161,369 7.2 100,281 27.4 32.8 19.8 15.2 4.7 1.3 17.5 4.5 71.0 0.6 DACOTAH BK ABERDEEN 13 161,172 11.7 107,208 20.6 42.0 26.9 8.1 2.5 1.2 11.8 4.5 74.8 1.2 COMMERCIAL T&SB MITCHELL 35 155,058 10.7 111,229 29.0 23.3 14.5 31.8 1.4 1.2 11.8 5.2 82.1 1.3 CORTRUST BK MITCHELL 35 154,132 7.6 106,550 23.5 22.3 38.1 15.4 0.7 1.1 12.5 5.0 78.3 1.7 FARMERS & MERCHANTS BK HURON 5 153,579 13.9 91,812 11.3 37.6 31.1 16.7 3.3 1.2 8.6 4.3 73.3 0.2 FIRST FIDELITY BK BURKE 53 150,487 15.3 77,480 12.0 64.9 14.2 7.6 1.2 1.9 13.3 5.5 61.8 3.0 MARQUETTE BK OF SOUTH DAKOTA SIOUX FALLS 99 134,378 7.8 95,499 21.2 4.2 56.9 17.2 0.6 0.8 9.9 4.4 81.7 0.7 FARMERS & MERCHANTS B&TC WATERTOWN 29 131,537 7.2 90,966 15.2 20.3 34.7 28.2 1.5 1.2 16.2 5.2 80.8 0.6 COMMUNITY FIRST ST BK VERMILLION 27 123,091 6.6 78,808 35.1 20.0 28.0 13.5 3.3 1.5 20.6 4.9 73.7 0.2 FIRST NB PIERRE 65 118,774 6.6 81,165 12.6 25.6 46.6 14.8 0.5 1.5 20.0 4.9 77.5 0.5 BANK OF SD WATERTOWN 29 118,414 8.0 81,163 7.0 1.0 75.7 16.3 0.0 0.3 3.2 3.5 77.8 1.4 BANK OF HOVEN HOVEN 107 113,694 20.4 69,468 3.7 42.5 1.5 52.3 0.0 3.8 20.7 12.3 79.3 0.7 RUSHMORE ST BK RAPID CITY 103 108,651 7.0 75,879 25.0 0.0 57.3 17.4 0.3 1.3 19.1 5.1 84.4 0.9 COMMERCIAL ST BK OF WAGNER WAGNER 23 93,019 12.9 56,543 21.2 56.0 7.4 11.4 3.9 1.7 13.0 5.4 70.1 1.7 FIRST NB IN PHILIP PHILIP 55 79,294 12.8 65,031 11.3 80.3 1.5 6.0 0.9 1.9 15.5 5.2 95.3 0.4 DAKOTA ST BK MILBANK 51 78,088 8.8 45,177 21.1 21.0 30.3 25.9 1.7 1.6 20.9 4.3 67.3 0.4 FIRST ST BK MILLER MILLER 59 76,784 9.9 47,551 15.8 64.4 9.1 10.4 0.2 1.4 15.4 4.5 69.7 0.0 FARMERS ST BK PARKSTON 67 75,073 7.5 30,843 17.2 63.9 8.3 10.0 0.5 1.3 8.6 4.1 48.6 4.3 AMERICAN ST BK WESSINGTON SPRINGS 73 74,504 12.1 45,417 10.8 73.4 4.7 8.6 2.5 1.3 11.2 4.8 70.7 2.9 BANKFIRST NA SIOUX FALLS 99 71,792 9.8 45,770 13.4 35.3 17.8 18.2 15.3 1.8 18.2 4.8 71.8 1.0 DACOTAH BANK LEMMON 105 70,031 10.0 41,893 14.8 64.8 13.6 6.5 0.3 1.4 14.5 4.2 68.1 0.7 FIRST WESTERN BK WALL 103 63,695 10.8 35,968 15.8 63.2 13.1 7.4 0.5 1.3 12.4 4.8 64.0 0.7 VALLEY BK ELK POINT 127 60,541 11.8 41,045 31.6 15.1 40.0 12.0 1.4 1.6 13.2 5.7 78.3 1.9 DACOTAH BK CLARK 25 59,994 10.2 38,052 14.8 55.1 18.1 11.4 0.6 1.0 10.4 4.6 71.0 2.0 TRI COUNTY ST BK CHAMBERLAIN 15 58,312 7.9 32,385 24.1 44.1 17.8 13.6 0.5 1.6 18.1 4.5 61.5 0.4 AMERICAN ST BK OF PIERRE PIERRE 65 56,928 8.7 41,915 20.7 54.3 16.8 7.2 1.0 1.4 17.8 5.7 84.3 1.2 FIRST MADISON BK MADISON 79 54,920 11.2 29,478 24.2 13.4 41.6 16.0 4.8 1.5 13.6 5.6 63.2 0.5 STATE BK OF ALCESTER ALCESTER 127 53,727 9.2 30,519 12.2 55.9 16.0 15.3 0.5 1.2 13.4 4.6 67.2 0.3 DACOTAH BK MOBRIDGE 129 53,055 13.2 20,944 6.3 75.8 10.0 7.8 0.1 1.1 10.0 3.6 45.0 1.2 FIRST ST BK ARMOUR 43 52,567 12.0 32,103 13.1 68.3 8.6 9.4 0.6 1.1 11.7 4.8 68.4 1.1 HAND COUNTY ST BK MILLER 59 51,177 14.6 31,804 10.7 72.4 5.0 11.6 0.3 1.8 12.6 5.0 78.2 0.0 DEUEL COUNTY NB CLEAR LAKE 39 49,908 10.1 30,043 5.6 63.7 15.0 13.4 2.3 0.7 6.7 4.2 69.1 5.7 SECURITY ST BK TYNDALL 9 47,637 14.3 31,263 9.3 73.5 11.4 5.8 0.0 1.5 10.1 4.7 77.7 0.8 AMERICAN ST BK OF RAPID CITY RAPID CITY 103 46,832 6.3 28,988 35.3 0.7 50.6 12.9 0.5 0.8 13.6 4.7 67.8 0.8 MERCHANTS ST BK FREEMAN 67 45,688 10.1 33,834 12.9 56.5 22.1 8.0 0.5 0.7 6.3 5.1 83.8 0.8 CITIZENS ST BK OF ARLINGTON ARLINGTON 77 45,149 7.2 30,335 9.7 61.2 18.8 10.0 0.3 1.0 12.0 4.0 73.1 0.6 DACOTAH BK WEBSTER 37 45,012 10.5 23,079 20.5 57.0 15.6 6.3 0.5 1.1 9.8 4.4 58.8 4.8 ROBERTS COUNTY NB OF SISSETON SISSETON 109 44,619 15.2 6,070 18.6 52.4 15.1 13.6 0.2 1.2 7.7 3.9 16.2 0.0 SECURITY ST BK MADISON 79 44,512 12.0 29,931 9.5 5.5 58.5 25.9 0.6 1.2 14.5 4.2 80.0 1.4 FIRST NB OF FREEMAN FREEMAN 67 43,707 10.7 17,072 15.3 55.6 18.1 10.8 0.2 0.5 4.5 2.9 44.2 0.0 FARMERS ST BK FLANDREAU 101 43,359 12.3 22,956 13.7 53.7 17.5 11.8 3.2 (0.5) (5.8) 3.9 58.4 8.8 DAKOTA ST BK COLMAN 101 43,358 7.5 25,414 11.3 30.9 41.7 15.8 0.3 0.7 7.7 4.9 65.0 0.4 FARMERS & MERCHANTS ST BK PLANKINTON 3 42,876 8.7 22,429 11.1 58.4 19.7 9.5 1.3 1.7 10.0 5.5 64.1 0.4 FIRST WESTERN BK CUSTER CUSTER 33 40,842 9.8 19,918 34.6 7.9 45.5 12.0 0.1 1.3 13.6 5.1 54.6 0.0 VALLEY EXCHANGE BK LENNOX 83 40,623 16.7 19,839 10.2 53.4 23.7 12.7 0.1 1.7 10.6 5.3 59.5 0.0 1ST FINANCIAL BK SD DUPREE 137 40,343 7.1 24,798 1.6 17.8 0.6 80.0 0.0 1.2 16.9 7.9 67.8 4.4 FARMERS ST BK OF ESTELLINE ESTELLINE 57 40,219 8.1 21,937 6.2 72.7 11.6 9.1 0.5 1.2 13.5 4.6 59.6 0.3 PEOPLES ST BK DE SMET 77 38,819 10.1 22,256 20.4 51.0 18.1 10.2 0.3 1.9 10.6 5.1 70.2 0.0 FARMERS ST BK VIBORG 125 36,853 11.2 25,353 6.0 77.3 7.5 7.5 1.7 2.1 17.6 6.2 80.1 3.7 SECURITY ST BK ALEXANDRIA 61 36,496 13.3 21,464 8.0 63.8 12.3 15.0 0.9 0.7 6.0 4.1 67.5 0.4 CAMPBELL COUNTY BK HERREID 21 29,975 13.8 16,477 15.6 81.5 0.3 2.4 0.0 1.7 12.4 5.8 64.5 0.4 PEOPLES BK CONDE 115 29,735 8.1 21,452 11.5 35.3 21.0 32.2 0.0 1.4 16.6 5.0 79.5 0.0 FARMERS ST BK STICKNEY 3 27,122 8.0 16,547 10.2 78.1 4.9 5.0 1.7 1.7 23.1 4.7 66.4 2.8 FARMERS ST BK OF CANTON CANTON 83 26,721 11.2 16,206 15.1 40.8 29.1 14.7 0.4 1.1 9.7 5.0 69.5 0.6 FARMERS ST BK FAITH 93 25,506 19.6 13,403 6.4 81.8 5.5 6.3 0.1 1.4 19.5 5.2 57.5 0.1 MENNO ST BK MENNO 67 25,383 11.2 9,350 6.0 76.1 7.6 9.9 0.4 1.1 9.2 4.0 42.2 0.5 FIRST ST BK OF ROSCOE ROSCOE 45 25,279 11.3 14,742 15.3 80.1 0.0 4.5 0.0 0.8 7.4 3.8 67.0 0.0 EUREKA ST BK EUREKA 89 25,109 10.1 10,592 16.1 72.1 2.2 7.7 1.8 1.1 10.5 5.2 48.7 5.4 IPSWICH ST BK IPSWICH 45 24,834 15.6 13,437 9.4 70.1 9.3 10.8 0.4 1.2 7.8 5.1 65.3 0.9 MINER COUNTY BK HOWARD 97 24,656 10.9 13,757 12.3 63.6 16.6 6.7 0.8 1.2 10.6 5.1 63.7 0.2 FARMERS ST BK MARION 125 24,557 20.8 14,929 13.5 56.0 21.4 9.0 0.1 1.2 13.4 5.2 67.8 2.2 FIRST NB IN GARRETSON GARRETSON 99 24,404 9.3 18,212 38.1 43.2 11.9 6.8 0.0 1.2 11.0 5.5 86.0 0.6 FIRST AMERICAN BK CANTON 83 24,197 9.1 16,248 20.1 51.5 15.9 10.2 2.2 1.3 13.7 5.5 74.8 0.4 COMMUNITY BK AVON 9 23,980 18.6 8,808 12.9 71.7 1.7 13.6 0.1 1.2 6.6 4.3 45.8 2.5 SECURITY ST BK EMERY 61 23,604 10.6 10,660 33.5 39.7 14.3 12.3 0.2 0.8 5.5 4.2 52.4 0.1 FARMERS & MERCHANTS ST IROQUOIS 77 22,904 7.4 16,318 11.5 68.0 11.7 6.9 1.9 1.4 18.5 4.7 80.4 0.1 FIRST MIDWEST BK CENTERVILLE 125 22,853 14.6 12,189 17.8 56.1 9.5 13.9 2.7 1.0 6.9 4.9 62.9 0.0 FIRST NB OF WHITE WHITE 11 22,549 7.8 10,475 26.3 40.1 23.5 10.0 0.1 0.8 10.0 2.8 51.0 0.0 DAKOTA HERITAGE ST BK CHANCELLOR 125 22,459 13.0 12,135 24.4 45.3 20.3 9.0 1.0 1.4 10.9 4.3 62.4 1.8 DRAPER ST BK PRESHO 85 22,443 9.3 14,225 6.5 78.1 9.3 6.0 0.1 1.3 14.4 5.7 70.5 0.4 DAKOTA ST BK OF BLUNT SD BLUNT 65 22,312 8.0 12,860 8.2 65.4 15.2 10.9 0.2 1.2 13.9 5.1 66.4 0.0 DAY COUNTY BK WEBSTER 37 21,726 8.3 10,517 24.0 28.8 21.5 25.3 0.3 1.4 15.7 4.7 53.4 0.0 DACOTAH BK FAULKTON 49 21,017 9.6 8,363 7.8 81.1 4.2 6.2 0.6 1.2 9.0 4.1 46.3 1.2 STOCKMENS BK MARTIN 7 20,338 16.0 13,340 7.0 76.8 11.6 4.5 0.1 1.9 12.5 6.3 78.6 0.9 FULTON ST BK FULTON 61 20,047 10.2 12,556 19.1 52.6 12.6 15.6 0.1 0.4 3.6 4.7 70.4 3.6 CORN EXCHANGE BK ELKTON 11 19,670 11.5 13,727 9.0 69.0 11.5 10.4 0.2 1.3 11.6 4.9 79.5 2.2 FIRST ST BK OF WARNER WARNER 13 19,128 13.3 12,183 19.0 67.5 2.2 10.8 0.4 0.8 6.2 4.7 75.8 4.5 ONIDA BK ONIDA 119 19,003 9.9 10,977 5.1 83.3 4.0 7.5 0.0 1.3 12.6 5.7 65.1 3.3 FIRST ST BK OF CLAREMONT CLAREMONT 13 18,957 20.0 12,526 3.1 93.4 0.0 3.5 0.0 1.6 8.0 6.2 84.0 0.8 COMMUNITY ST BK STOCKHOLM 51 18,608 9.0 11,704 12.6 62.7 18.0 5.9 0.7 0.8 8.4 4.2 69.4 2.9 AMERICAN ST BK OLDHAM 77 18,341 12.0 8,329 7.2 76.5 7.3 8.7 0.3 1.0 7.7 4.5 52.8 0.0 FIRST NB OF VOLGA VOLGA 11 18,103 10.0 12,776 8.1 31.8 42.2 17.9 0.1 1.4 14.1 4.6 79.2 5.0 STATE BK OF EAGLE BUTTE EAGLE BUTTE 41 17,622 11.7 8,373 13.9 51.0 7.8 26.6 0.7 0.9 7.6 6.5 54.4 2.3 WILMOT ST BK WILMOT 109 17,165 10.4 8,589 14.5 70.3 7.2 7.8 0.2 2.7 26.9 5.1 59.7 2.3 HEARTLAND ST BK WESSINGTON 5 16,894 7.0 12,038 9.5 69.4 4.2 16.9 0.0 0.7 13.0 5.6 77.5 1.8 FARMERS ST BK OF TURTON TURTON 115 16,870 11.3 9,927 8.3 82.8 2.8 6.0 0.1 0.5 4.7 4.9 68.6 4.8 BRYANT ST BK BRYANT 57 14,638 14.4 9,127 13.3 69.0 13.3 4.3 0.0 1.2 8.3 5.0 74.2 0.0 BANK OF BRUCE BRUCE 11 13,857 22.0 6,037 2.5 66.1 13.3 18.1 0.0 1.2 7.9 4.1 55.2 0.8 FARMERS & MERCHANTS ST BK SCOTLAND 9 13,829 13.3 7,377 21.7 52.5 14.1 11.1 0.6 0.8 7.9 4.7 59.9 4.8 STATE BK OF HUDSON HUDSON 83 13,410 12.4 9,772 9.8 67.7 12.8 9.3 0.4 1.3 9.9 4.8 83.7 0.2 FARMERS ST BK HOSMER 45 13,072 8.4 9,780 21.1 67.2 3.5 8.1 0.1 1.7 9.0 6.3 94.5 2.8 PEOPLES ST BK SUMMIT 109 12,785 17.5 7,094 8.3 76.0 2.8 9.5 3.4 1.6 17.6 4.8 62.0 0.1 FIRST ST BK OF SINAI SINAI 11 12,727 13.0 9,431 6.8 88.3 1.5 3.3 0.1 0.8 6.1 4.8 87.0 1.1 DEWEY COUNTY BK TIMBER LAKE 41 11,918 12.6 4,794 10.1 74.3 4.3 8.2 3.1 2.1 16.6 5.5 46.5 0.4 FIRST ST BK BRIDGEWATER 87 11,863 9.6 6,110 4.1 75.0 10.9 7.5 2.4 0.7 6.2 4.2 58.9 2.8 LANGFORD ST BK LANGFORD 91 11,797 15.3 4,633 6.0 91.8 0.5 1.6 0.0 0.8 5.0 5.0 47.2 0.1 FIRST NB OF FREDERICK FREDERICK 13 11,164 16.5 3,348 6.7 90.8 0.0 2.4 0.1 0.7 4.1 3.8 36.1 1.3 ANDES ST BK LAKE ANDES 23 10,823 12.5 4,827 14.7 36.2 33.1 15.7 0.3 0.5 3.8 3.9 51.3 0.1 FARMERS ST BK KAYLOR 67 10,515 10.4 3,619 4.6 87.0 2.0 6.3 0.1 0.9 4.2 4.0 44.4 3.0 FIRST NB OF EDEN EDEN 91 10,044 11.3 5,351 15.0 77.8 2.1 5.2 0.0 2.3 19.2 6.3 61.8 6.1 MANSFIELD ST BK MANSFIELD 115 9,035 10.6 2,599 5.8 91.8 1.3 1.0 0.2 0.4 2.5 4.4 35.3 0.0 FOUNDERS TR NB SIOUX FALLS 99 3,717 887 100.0 0.0 0.0 0.0 0.0 0.6 294.7 0.0 Totals/Averages 13,805,416 11.0 9,290,041 16.1 51.9 17.3 13.8 1.0 1.2 11.8 4.8 70.5 1.5