FDIC Certificate #: 14411 Status: Active Federal Reserve ID: 856140 Bank Holding Company (Regulatory Top Holder): Ledyard Bancorporation, Inc. (RSSDID: 2908221, Location: Ledyard, IA) Date Established: January 01, 1892 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9003 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: April 15, 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: 210 Edmunds St, Ledyard, IA 50556 County: Kossuth 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: $37.2 mil Equity capital: $5.2 mil Deposits held in domestic offices: $31.1 mil Return on assets (ROA): 1.65% ($0.6 mil) Quarterly return on assets: 1.55% ($0.6 mil) Return on Equity (ROE): 12.57% ($0.6 mil) Quarterly return on equity: 11.28% ($0.6 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.73% ($643.7 mil) Quarterly Pretax return on assets: 1.63% ($606.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$37,208Total assets
$2,118Cash and due from depository institutions
$1,472Interest-bearing balances
$6,737Securities
$460Federal funds sold & reverse repurchase agreements
$27,051Net loans & leases
$156Loan loss allowance
$0Trading account assets
$110Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$37,208Life insurance assets
$732All other assets
$31,998Total liabilities and capital
$31,109Total liabilities
$26,371Total deposits
$31,109Interest-bearing deposits
$97Deposits held in domestic offices
800.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$89Subordinated debt
$5,210All other liabilities
$5,210Total equity capital
$5,210Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$850Surplus
$4,160Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$20Income earned, not collected on loans
$0Earning assets
$542Long-term assets (5+ years)
$35,720Average Assets, year-to-date
$2,783Average Assets, quarterly
$37,721Volatile liabilities
$37,490Insider loans
$29,434FHLB advances
$37,543Loans and leases held for sale
$22Unused loan commitments
$22Tier 1 (core) risk-based capital
$5,211Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,937Restructured Loans and leases
$1,117Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,624Total interest income
$363Total interest expense
$1,261Net interest income
$0Provision for loan and lease losses
$63Total noninterest income
$0Fiduciary activities
$53Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$673Total noninterest expense
$414Salaries and employee benefits
$84Premises and equipment expense
$175Additional noninterest expense
$651Pre-tax net operating income
$2Securities gains (losses)
$30Applicable income taxes
$623Income before extraordinary items
$0Extraordinary gains - net
$623Net income attributable to bank
$0Net charge-offs
$623Cash dividends
$54Sale, conversion, retirement of capital stock, net
$405Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.47%Yield on earning assets
1.00%Cost of funding earning assets
3.47%Net interest margin
0.17%Noninterest income to earning assets
1.85%Noninterest expense to earning assets
1.65%Net operating income to assets
1.65%Return on assets (ROA)
1.73%Pretax return on assets
12.57%Return on equity (ROE)
4.40%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
12.06%Efficiency ratio
50,831Assets per employee
4.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.01%Loss allowance to loans
0.57%Loss allowance to noncurrent loans
780.00%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.07%Net loans and leases to deposits
86.96%Net loans and leases to core deposits
99.55%Equity capital to assets
14.00%Core capital (leverage) ratio
13.88%Tier 1 risk-based capital ratio
17.70%Total risk-based capital ratio
Memoranda
$18Average assets
$37,721Average earning assets
$4,956Average equity
$36,368Average 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
$53Managed 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
7Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$53Other retirement accounts
$53Corporate 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
9003
State Bank Of Ledyard
210 Edmunds St, Ledyard, IA 50556
January 01, 1892
Full Service Brick and Mortar
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