FDIC 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
Location
Address: 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 Changes
Change in Location
Financial Summary
Total 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
8Total employees (full-time equivalent)
$41,085Total assets
$13,660Cash and due from depository institutions
$10,117Interest-bearing balances
$4,871Securities
$2,579Federal funds sold & reverse repurchase agreements
$18,368Net loans & leases
$548Loan loss allowance
$0Trading account assets
$49Bank premises and fixed assets
$684Other real estate owned
$0Goodwill and other intangibles
$41,084Life insurance assets
$874All other assets
$37,324Total liabilities and capital
$37,176Total liabilities
$31,139Total deposits
$37,176Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$148Subordinated debt
$3,760All other liabilities
$3,760Total equity capital
$3,760Total bank equity capital
$0Perpetual preferred stock
$25Common stock
$1,725Surplus
$2,010Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,775Income earned, not collected on loans
$0Earning assets
$260Long-term assets (5+ years)
$35,935Average Assets, year-to-date
$90Average Assets, quarterly
$40,540Volatile liabilities
$40,679Insider loans
$23,514FHLB advances
$40,625Loans and leases held for sale
$321Unused loan commitments
$321Tier 1 (core) risk-based capital
$3,657Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$674Restructured Loans and leases
$152Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,720Total interest income
$274Total interest expense
$1,446Net interest income
$305Provision for loan and lease losses
$82Total noninterest income
$0Fiduciary activities
$30Service charges on deposit accounts
$0Trading account gains & fees
$52Additional noninterest income
$1,043Total noninterest expense
$652Salaries and employee benefits
$72Premises and equipment expense
$319Additional noninterest expense
$180Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$180Income before extraordinary items
$0Extraordinary gains - net
$180Net income attributable to bank
$0Net charge-offs
$180Cash dividends
$359Sale, conversion, retirement of capital stock, net
$205Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.74%Yield on earning assets
0.75%Cost of funding earning assets
3.98%Net interest margin
0.23%Noninterest income to earning assets
2.87%Noninterest expense to earning assets
0.44%Net operating income to assets
0.44%Return on assets (ROA)
0.44%Pretax return on assets
4.64%Return on equity (ROE)
-0.65%Retained earnings to average equity (YTD only)
1.86%Net charge-offs to loans
84.96%Credit loss provision to net charge-offs
1.35%Efficiency ratio
68,259Assets per employee
5.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
113.89%Loss allowance to loans
2.90%Loss allowance to noncurrent loans
30.87%Noncurrent assets plus other real estate owned to assets
5.99%Noncurrent loans to loans
9.38%Net loans and leases to deposits
49.41%Net loans and leases to core deposits
50.15%Equity capital to assets
9.15%Core capital (leverage) ratio
9.00%Tier 1 risk-based capital ratio
15.55%Total risk-based capital ratio
Memoranda
$17Average assets
$40,540Average earning assets
$3,876Average equity
$36,313Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6525
Elysian Bank
121 East Main Street, Elysian, MN 56028
September 24, 1907
Full Service Brick and Mortar
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