FDIC Certificate #: 1916 Status: Active Federal Reserve ID: 411053 Bank Holding Company (Regulatory Top Holder): Eden Valley Bancshares, Inc. (RSSDID: 1128693, Location: Eden Valley, MN) Date Established: January 02, 1932 WWW:http://www.edenvalleybank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 12576 FDIC's unique #: 1281 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: May 27, 2010 Last Structure Change Process Date: May 27, 2010 Last Data Update: May 27, 2010 Data Source Date: April 05, 2012
Location
Address: 359 State Street North, Eden Valley, MN 55329 County: Meeker Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Mankato Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West
History of Changes
Change in Location
Financial Summary
Total assets: $27.7 mil Equity capital: $3.0 mil Deposits held in domestic offices: $24.7 mil Return on assets (ROA): 1.46% ($0.4 mil) Quarterly return on assets: 1.70% ($0.5 mil) Return on Equity (ROE): 15.34% ($0.5 mil) Quarterly return on equity: 15.80% ($0.5 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.46% ($404.6 mil) Quarterly Pretax return on assets: 1.70% ($471.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$27,711Total assets
$969Cash and due from depository institutions
$801Interest-bearing balances
$8,487Securities
$0Federal funds sold & reverse repurchase agreements
$16,598Net loans & leases
$271Loan loss allowance
$0Trading account assets
$276Bank premises and fixed assets
$849Other real estate owned
$0Goodwill and other intangibles
$27,710Life insurance assets
$532All other assets
$24,725Total liabilities and capital
$24,695Total liabilities
$18,655Total deposits
$24,695Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$30Subordinated debt
$2,985All other liabilities
$2,985Total equity capital
$2,985Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$2,650Surplus
$285Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$588Income earned, not collected on loans
$0Earning assets
$223Long-term assets (5+ years)
$25,886Average Assets, year-to-date
$7,411Average Assets, quarterly
$27,836Volatile liabilities
$27,541Insider loans
$21,668FHLB advances
$27,603Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,909Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,133Restructured Loans and leases
$49Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,383Total interest income
$172Total interest expense
$1,211Net interest income
$180Provision for loan and lease losses
$122Total noninterest income
$0Fiduciary activities
$89Service charges on deposit accounts
$0Trading account gains & fees
$33Additional noninterest income
$957Total noninterest expense
$459Salaries and employee benefits
$82Premises and equipment expense
$416Additional noninterest expense
$196Pre-tax net operating income
$210Securities gains (losses)
$0Applicable income taxes
$406Income before extraordinary items
$0Extraordinary gains - net
$406Net income attributable to bank
$0Net charge-offs
$406Cash dividends
$186Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.30%Yield on earning assets
0.66%Cost of funding earning assets
4.64%Net interest margin
0.47%Noninterest income to earning assets
3.67%Noninterest expense to earning assets
0.70%Net operating income to assets
1.46%Return on assets (ROA)
1.46%Pretax return on assets
15.34%Return on equity (ROE)
15.34%Retained earnings to average equity (YTD only)
1.08%Net charge-offs to loans
96.77%Credit loss provision to net charge-offs
2.02%Efficiency ratio
71,793Assets per employee
3.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.61%Loss allowance to noncurrent loans
46.09%Noncurrent assets plus other real estate owned to assets
5.19%Noncurrent loans to loans
3.49%Net loans and leases to deposits
67.21%Net loans and leases to core deposits
72.28%Equity capital to assets
10.77%Core capital (leverage) ratio
10.54%Tier 1 risk-based capital ratio
13.43%Total risk-based capital ratio
Memoranda
$15Average assets
$27,836Average earning assets
$2,646Average equity
$26,103Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1281
State Bank In Eden Valley
359 State Street North, Eden Valley, MN 55329
January 02, 1932
Full Service Brick and Mortar
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