FDIC Certificate #: 12865 Status: Active Federal Reserve ID: 973252 Bank Holding Company (Regulatory Top Holder): Swedish-American Bancshares, Inc. (RSSDID: 2791571, Location: Courtland, KS) Date Established: March 13, 1913 WWW:http://www.mysasb.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 52107 FDIC's unique #: 8145 Numeric code: 13 Regulator: FED 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: September 28, 2010 Last Data Update: September 28, 2010 Data Source Date: April 05, 2012
Location
Address: 324 Liberty Street, Courtland, KS 66939 County: Republic Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Hays 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
Corrections
Financial Summary
Total assets: $40.9 mil Equity capital: $3.5 mil Deposits held in domestic offices: $34.8 mil Return on assets (ROA): 0.80% ($0.3 mil) Quarterly return on assets: 0.90% ($0.4 mil) Return on Equity (ROE): 9.26% ($0.3 mil) Quarterly return on equity: 10.56% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.12% ($458.1 mil) Quarterly Pretax return on assets: 1.02% ($417.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$40,906Total assets
$1,268Cash and due from depository institutions
$42Interest-bearing balances
$11,720Securities
$0Federal funds sold & reverse repurchase agreements
$26,845Net loans & leases
$291Loan loss allowance
$0Trading account assets
$78Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$40,906Life insurance assets
$995All other assets
$37,433Total liabilities and capital
$34,765Total liabilities
$29,828Total deposits
$34,765Interest-bearing deposits
$89Deposits held in domestic offices
175.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,160Trading liabilities
$0Other borrowed funds
$333Subordinated debt
$3,473All other liabilities
$3,473Total equity capital
$3,473Total bank equity capital
$0Perpetual preferred stock
$80Common stock
$120Surplus
$3,273Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$681Income earned, not collected on loans
$0Earning assets
$474Long-term assets (5+ years)
$38,607Average Assets, year-to-date
$16,989Average Assets, quarterly
$37,998Volatile liabilities
$40,274Insider loans
$26,978FHLB advances
$39,724Loans and leases held for sale
$301Unused loan commitments
$301Tier 1 (core) risk-based capital
$3,353Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,570Restructured Loans and leases
$491Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,890Total interest income
$381Total interest expense
$1,509Net interest income
$45Provision for loan and lease losses
$85Total noninterest income
$0Fiduciary activities
$71Service charges on deposit accounts
$0Trading account gains & fees
$14Additional noninterest income
$1,168Total noninterest expense
$744Salaries and employee benefits
$88Premises and equipment expense
$336Additional noninterest expense
$381Pre-tax net operating income
$46Securities gains (losses)
$124Applicable income taxes
$303Income before extraordinary items
$0Extraordinary gains - net
$303Net income attributable to bank
$0Net charge-offs
$303Cash dividends
$43Sale, conversion, retirement of capital stock, net
$50Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.25%Yield on earning assets
1.06%Cost of funding earning assets
4.19%Net interest margin
0.24%Noninterest income to earning assets
3.24%Noninterest expense to earning assets
0.71%Net operating income to assets
0.80%Return on assets (ROA)
1.12%Pretax return on assets
9.26%Return on equity (ROE)
7.73%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
104.65%Credit loss provision to net charge-offs
9.91%Efficiency ratio
73,275Assets per employee
4.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.50%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
42.73%Noncurrent assets plus other real estate owned to assets
1.66%Noncurrent loans to loans
2.51%Net loans and leases to deposits
77.22%Net loans and leases to core deposits
92.51%Equity capital to assets
8.49%Core capital (leverage) ratio
8.44%Tier 1 risk-based capital ratio
12.43%Total risk-based capital ratio
Memoranda
$14Average assets
$37,998Average earning assets
$3,273Average equity
$36,026Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8145
Swedish-American State Bank
324 Liberty Street, Courtland, KS 66939
March 13, 1913
Full Service Brick and Mortar
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