FDIC Certificate #: 9003 Status: Active Federal Reserve ID: 413851 Bank Holding Company (Regulatory Top Holder): Menno Holding Company (RSSDID: 1126831, Location: Menno, SD) Date Established: January 01, 1901 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 5750 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: No 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: 105 South Fifth Street, Menno, SD 57045 County: Hutchinson 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: $33.9 mil Equity capital: $3.4 mil Deposits held in domestic offices: $29.9 mil Return on assets (ROA): 1.04% ($0.4 mil) Quarterly return on assets: 0.40% ($0.1 mil) Return on Equity (ROE): 10.00% ($0.3 mil) Quarterly return on equity: 3.88% ($0.1 mil) Net income: $0.3 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.33% ($451.3 mil) Quarterly Pretax return on assets: 0.31% ($105.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$33,931Total assets
$5,170Cash and due from depository institutions
$3,164Interest-bearing balances
$12,513Securities
$3,779Federal funds sold & reverse repurchase agreements
$11,547Net loans & leases
$226Loan loss allowance
$0Trading account assets
$87Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$33,931Life insurance assets
$835All other assets
$30,528Total liabilities and capital
$29,935Total liabilities
$22,878Total deposits
$29,935Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$593Subordinated debt
$3,403All other liabilities
$3,403Total equity capital
$3,403Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$950Surplus
$2,353Undivided 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
$393Long-term assets (5+ years)
$31,003Average Assets, year-to-date
$3,324Average Assets, quarterly
$33,044Volatile liabilities
$33,704Insider loans
$18,485FHLB advances
$35,204Loans and leases held for sale
$312Unused loan commitments
$312Tier 1 (core) risk-based capital
$3,294Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,908Restructured Loans and leases
$52Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,134Total interest income
$183Total interest expense
$951Net interest income
$7Provision for loan and lease losses
$207Total noninterest income
$0Fiduciary activities
$49Service charges on deposit accounts
$0Trading account gains & fees
$158Additional noninterest income
$712Total noninterest expense
$439Salaries and employee benefits
$49Premises and equipment expense
$224Additional noninterest expense
$439Pre-tax net operating income
$0Securities gains (losses)
$96Applicable income taxes
$343Income before extraordinary items
$0Extraordinary gains - net
$343Net income attributable to bank
$0Net charge-offs
$343Cash dividends
$8Sale, conversion, retirement of capital stock, net
$225Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.75%Yield on earning assets
0.61%Cost of funding earning assets
3.15%Net interest margin
0.68%Noninterest income to earning assets
2.36%Noninterest expense to earning assets
1.04%Net operating income to assets
1.04%Return on assets (ROA)
1.33%Pretax return on assets
10.00%Return on equity (ROE)
3.44%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
87.50%Credit loss provision to net charge-offs
55.75%Efficiency ratio
61,485Assets per employee
4.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.60%Loss allowance to loans
1.92%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
38.57%Net loans and leases to core deposits
38.57%Equity capital to assets
10.03%Core capital (leverage) ratio
9.36%Tier 1 risk-based capital ratio
17.82%Total risk-based capital ratio
Memoranda
$19Average assets
$33,044Average earning assets
$3,430Average equity
$30,228Average loans
List of branches
1 South Dakota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5750
Menno State Bank
105 South Fifth Street, Menno, SD 57045
January 01, 1901
Full Service Brick and Mortar
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