FDIC Certificate #: 8197 Status: Active Federal Reserve ID: 401951 Bank Holding Company (Regulatory Top Holder): Ceylon Bancorporation, Inc. (RSSDID: 1127173, Location: Ceylon, MN) Date Established: April 01, 1901 WWW:http://www.statebankofceylon.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) FDIC's unique #: 5223 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: 104 West Main Street, Ceylon, MN 56121 County: Martin 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 Core Based Statistical Area (CBSA): Fairmont, MN (#21860) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $11.1 mil Equity capital: $1.3 mil Deposits held in domestic offices: $9.7 mil Return on assets (ROA): 0.32% ($0.0 mil) Quarterly return on assets: 0.21% ($0.0 mil) Return on Equity (ROE): 2.92% ($0.0 mil) Quarterly return on equity: 1.89% ($0.0 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.43% ($47.6 mil) Quarterly Pretax return on assets: 0.42% ($46.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$11,062Total assets
$3,087Cash and due from depository institutions
$1,960Interest-bearing balances
$2,244Securities
$502Federal funds sold & reverse repurchase agreements
$4,888Net loans & leases
$85Loan loss allowance
$0Trading account assets
$66Bank premises and fixed assets
$61Other real estate owned
$0Goodwill and other intangibles
$11,062Life insurance assets
$214All other assets
$9,797Total liabilities and capital
$9,698Total liabilities
$8,207Total deposits
$9,698Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$99Subordinated debt
$1,265All other liabilities
$1,265Total equity capital
$1,265Total bank equity capital
$0Perpetual preferred stock
$75Common stock
$925Surplus
$265Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$122Income earned, not collected on loans
$0Earning assets
$94Long-term assets (5+ years)
$9,594Average Assets, year-to-date
$2,379Average Assets, quarterly
$11,107Volatile liabilities
$11,328Insider loans
$5,487FHLB advances
$11,657Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,226Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,166Restructured Loans and leases
$782Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$457Total interest income
$62Total interest expense
$395Net interest income
$15Provision for loan and lease losses
$37Total noninterest income
$0Fiduciary activities
$32Service charges on deposit accounts
$0Trading account gains & fees
$5Additional noninterest income
$369Total noninterest expense
$199Salaries and employee benefits
$69Premises and equipment expense
$101Additional noninterest expense
$48Pre-tax net operating income
$0Securities gains (losses)
$12Applicable income taxes
$36Income before extraordinary items
$0Extraordinary gains - net
$36Net income attributable to bank
$0Net charge-offs
$36Cash dividends
$32Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.70%Yield on earning assets
0.64%Cost of funding earning assets
4.06%Net interest margin
0.38%Noninterest income to earning assets
3.79%Noninterest expense to earning assets
0.32%Net operating income to assets
0.32%Return on assets (ROA)
0.43%Pretax return on assets
2.92%Return on equity (ROE)
2.92%Retained earnings to average equity (YTD only)
0.54%Net charge-offs to loans
46.88%Credit loss provision to net charge-offs
1.97%Efficiency ratio
85,417Assets per employee
2.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.71%Loss allowance to noncurrent loans
69.67%Noncurrent assets plus other real estate owned to assets
1.65%Noncurrent loans to loans
2.45%Net loans and leases to deposits
50.40%Net loans and leases to core deposits
61.41%Equity capital to assets
11.44%Core capital (leverage) ratio
10.52%Tier 1 risk-based capital ratio
22.34%Total risk-based capital ratio
Memoranda
$24Average assets
$11,107Average earning assets
$1,234Average equity
$9,726Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5223
State Bank Of Ceylon
104 West Main Street, Ceylon, MN 56121
April 01, 1901
Full Service Brick and Mortar
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