FDIC Certificate #: 17441 Status: Active Federal Reserve ID: 602842 Bank Holding Company (Regulatory Top Holder): Dysart Bancshares, Inc. (RSSDID: 1130717, Location: Dysart, IA) Date Established: January 01, 1934 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 11433 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: May 31, 1955 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: 301 Main Street, Dysart, IA 52224 County: Tama Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Des Moines Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $14.1 mil Equity capital: $1.1 mil Deposits held in domestic offices: $12.7 mil Return on assets (ROA): -0.57% (-$0.1 mil) Quarterly return on assets: -0.12% (-$0.0 mil) Return on Equity (ROE): -5.98% (-$0.1 mil) Quarterly return on equity: -1.41% (-$0.0 mil) Net income: -$0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.57% (-$80.5 mil) Quarterly Pretax return on assets: -0.12% (-$16.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$14,116Total assets
$7,963Cash and due from depository institutions
$7,677Interest-bearing balances
$728Securities
$0Federal funds sold & reverse repurchase agreements
$4,460Net loans & leases
$8Loan loss allowance
$0Trading account assets
$49Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$14,116Life insurance assets
$916All other assets
$12,987Total liabilities and capital
$12,738Total liabilities
$8,978Total deposits
$12,738Interest-bearing deposits
$94Deposits held in domestic offices
245.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$4Subordinated debt
$1,129All other liabilities
$1,129Total equity capital
$1,129Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$600Surplus
$129Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$49Income earned, not collected on loans
$0Earning assets
$60Long-term assets (5+ years)
$12,865Average Assets, year-to-date
$0Average Assets, quarterly
$12,135Volatile liabilities
$13,835Insider loans
$7,309FHLB advances
$13,787Loans and leases held for sale
$829Unused loan commitments
$829Tier 1 (core) risk-based capital
$1,129Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,765Restructured Loans and leases
$328Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$256Total interest income
$35Total interest expense
$221Net interest income
$0Provision for loan and lease losses
$51Total noninterest income
$0Fiduciary activities
$18Service charges on deposit accounts
$0Trading account gains & fees
$33Additional noninterest income
$341Total noninterest expense
$224Salaries and employee benefits
$23Premises and equipment expense
$94Additional noninterest expense
-$69Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$69Income before extraordinary items
$0Extraordinary gains - net
-$69Net income attributable to bank
$0Net charge-offs
-$69Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.35%Yield on earning assets
0.32%Cost of funding earning assets
2.03%Net interest margin
0.47%Noninterest income to earning assets
3.13%Noninterest expense to earning assets
-0.57%Net operating income to assets
-0.57%Return on assets (ROA)
-0.57%Pretax return on assets
-5.98%Return on equity (ROE)
-5.98%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
125,368Assets per employee
2.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.18%Loss allowance to noncurrent loans
16.33%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
1.10%Net loans and leases to deposits
35.01%Net loans and leases to core deposits
35.01%Equity capital to assets
8.00%Core capital (leverage) ratio
8.19%Tier 1 risk-based capital ratio
15.45%Total risk-based capital ratio
Memoranda
$16Average assets
$12,135Average earning assets
$1,154Average equity
$10,894Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11433
Dysart State Bank
301 Main Street, Dysart, IA 52224
January 01, 1934
Full Service Brick and Mortar
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