FDIC Certificate #: 223 Status: Active Federal Reserve ID: 868442 Bank Holding Company (Regulatory Top Holder): Rog-Lee, Incorporated (RSSDID: 1143212, Location: Manson, IA) Date Established: January 01, 1933 WWW:http://www.mansonbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 177 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 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: 1001 Main St, Manson, IA 50563 County: Calhoun 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
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $36.9 mil Equity capital: $4.1 mil Deposits held in domestic offices: $32.4 mil Return on assets (ROA): 0.75% ($0.3 mil) Quarterly return on assets: 0.83% ($0.3 mil) Return on Equity (ROE): 6.78% ($0.3 mil) Quarterly return on equity: 7.20% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.79% ($291.7 mil) Quarterly Pretax return on assets: 0.88% ($324.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$36,922Total assets
$2,654Cash and due from depository institutions
$1,745Interest-bearing balances
$22,643Securities
$0Federal funds sold & reverse repurchase agreements
$10,322Net loans & leases
$141Loan loss allowance
$0Trading account assets
$146Bank premises and fixed assets
$28Other real estate owned
$673Goodwill and other intangibles
$36,921Life insurance assets
$456All other assets
$32,781Total liabilities and capital
$32,444Total liabilities
$26,824Total deposits
$32,444Interest-bearing deposits
$95Deposits held in domestic offices
250.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$87Subordinated debt
$4,140All other liabilities
$4,140Total equity capital
$4,140Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$3,275Surplus
$765Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$229Long-term assets (5+ years)
$34,710Average Assets, year-to-date
$17,289Average Assets, quarterly
$36,317Volatile liabilities
$37,025Insider loans
$17,152FHLB advances
$36,683Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,360Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,235Restructured Loans and leases
$2Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,128Total interest income
$225Total interest expense
$903Net interest income
$181Provision for loan and lease losses
$122Total noninterest income
$0Fiduciary activities
$91Service charges on deposit accounts
$0Trading account gains & fees
$31Additional noninterest income
$757Total noninterest expense
$458Salaries and employee benefits
$91Premises and equipment expense
$208Additional noninterest expense
$87Pre-tax net operating income
$200Securities gains (losses)
$14Applicable income taxes
$273Income before extraordinary items
$0Extraordinary gains - net
$273Net income attributable to bank
$0Net charge-offs
$273Cash dividends
$205Sale, conversion, retirement of capital stock, net
$183Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.30%Yield on earning assets
0.66%Cost of funding earning assets
2.64%Net interest margin
0.36%Noninterest income to earning assets
2.21%Noninterest expense to earning assets
0.23%Net operating income to assets
0.75%Return on assets (ROA)
0.79%Pretax return on assets
6.78%Return on equity (ROE)
2.23%Retained earnings to average equity (YTD only)
1.85%Net charge-offs to loans
88.29%Credit loss provision to net charge-offs
1.31%Efficiency ratio
67,317Assets per employee
4.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
67.03%Loss allowance to loans
1.35%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.00%Net loans and leases to deposits
31.81%Net loans and leases to core deposits
33.01%Equity capital to assets
11.21%Core capital (leverage) ratio
9.16%Tier 1 risk-based capital ratio
19.59%Total risk-based capital ratio
Memoranda
$20Average assets
$36,317Average earning assets
$4,029Average equity
$34,195Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$215Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
34Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$215Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
177
Manson State Bank
1001 Main St, Manson, IA 50563
January 01, 1933
Full Service Brick and Mortar
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