Elysian Bank in Elysian, Minnesota (MN)



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Elysian Bank
GeneralFDIC Certificate #: 10185
Status: Active
Federal Reserve ID: 13251
Bank Holding Company (Regulatory Top Holder): Elysian, Inc. (RSSDID: 1128947, Location: Elysian, MN)
Date Established: September 24, 1907
WWW: http://www.elysianbank.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 #: 6525
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 01, 2006
Last Structure Change Process Date: July 20, 2009
Last Data Update: July 20, 2009
Data Source Date: April 05, 2012
LocationAddress: 121 East Main Street, Elysian, MN 56028
County: Le Sueur
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 ChangesChange in Location
Financial SummaryTotal assets: $41.1 mil
Equity capital: $3.8 mil
Deposits held in domestic offices: $37.2 mil
Return on assets (ROA): 0.44% ($0.2 mil)
Quarterly return on assets: -3.28% (-$1.3 mil)
Return on Equity (ROE): 4.64% ($0.2 mil)
Quarterly return on equity: -33.99% (-$1.4 mil)
Net income: $0.2 mil
Quarterly Net income: -$0.3 mil
Pretax return on assets: 0.44% ($180.8 mil)
Quarterly Pretax return on assets: -3.28% (-$1,347.6 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)
Total employees (full-time equivalent)8
Total assets$41,085
Cash and due from depository institutions$13,660
Interest-bearing balances$10,117
Securities$4,871
Federal funds sold & reverse repurchase agreements$2,579
Net loans & leases$18,368
Loan loss allowance $548
Trading account assets$0
Bank premises and fixed assets$49
Other real estate owned$684
Goodwill and other intangibles$0
All other assets$874
Life insurance assets$41,084
Total liabilities and capital$37,324
Total liabilities$37,176
Total deposits$31,139
Interest-bearing deposits$37,176
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $148
All other liabilities $3,760
Total equity capital$3,760
Total bank equity capital$3,760
Perpetual preferred stock$0
Common stock$25
Surplus$1,725
Undivided profits $2,010
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,775
Earning assets $0
Long-term assets (5+ years) $260
Average Assets, year-to-date $35,935
Average Assets, quarterly $90
Volatile liabilities $40,540
Insider loans $40,679
FHLB advances $23,514
Loans and leases held for sale $40,625
Unused loan commitments $321
Tier 1 (core) risk-based capital $321
Tier 2 risk-based capital $3,657
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $674
Derivatives$152
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,720
Total interest expense $274
Net interest income $1,446
Provision for loan and lease losses $305
Total noninterest income $82
Fiduciary activities $0
Service charges on deposit accounts $30
Trading account gains & fees $0
Additional noninterest income $52
Total noninterest expense $1,043
Salaries and employee benefits $652
Premises and equipment expense $72
Additional noninterest expense $319
Pre-tax net operating income $180
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $180
Extraordinary gains - net $0
Net income attributable to bank $180
Net charge-offs $0
Cash dividends $180
Sale, conversion, retirement of capital stock, net $359
Net operating income $205
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.74%
Cost of funding earning assets 0.75%
Net interest margin 3.98%
Noninterest income to earning assets 0.23%
Noninterest expense to earning assets 2.87%
Net operating income to assets 0.44%
Return on assets (ROA) 0.44%
Pretax return on assets 0.44%
Return on equity (ROE) 4.64%
Retained earnings to average equity (YTD only) -0.65%
Net charge-offs to loans 1.86%
Credit loss provision to net charge-offs 84.96%
Efficiency ratio1.35%
Assets per employee$68,259
Cash dividends to net income (YTD only)5.14%
Condition Ratios (%)
Loss allowance to loans 113.89%
Loss allowance to noncurrent loans 2.90%
Noncurrent assets plus other real estate owned to assets 30.87%
Noncurrent loans to loans 5.99%
Net loans and leases to deposits9.38%
Net loans and leases to core deposits 49.41%
Equity capital to assets 50.15%
Core capital (leverage) ratio 9.15%
Tier 1 risk-based capital ratio 9.00%
Total risk-based capital ratio 15.55%
Memoranda
Average assets$17
Average earning assets$40,540
Average equity $3,876
Average loans $36,313
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1 Minnesota Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06525Elysian Bank121 East Main Street, Elysian, MN 56028September 24, 1907Full Service Brick and Mortar
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