Manson State Bank in Manson, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Manson State Bank in Manson, Iowa (IA)
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Manson State Bank - Overview

  • General
  • FDIC Certificate #: 223
    Status: Active
    Federal Reserve ID: 868442
    Bank Holding Company (Regulatory Top Holder): Rog-Lee, Incorporated (RSSDID: 1143212, Location: Manson, IA)
    Date Established: January 01, 1933
    WWW: http://www.mansonbank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 177
    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: 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: 1001 Main St, Manson, IA 50563
    County: Calhoun
    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: $36.9 mil
    Equity capital: $4.1 mil
    Deposits held in domestic offices: $32.4 mil
    Return on assets (ROA): 0.75% ($0.3 mil)
    Quarterly return on assets: 0.83% ($0.3 mil)
    Return on Equity (ROE): 6.78% ($0.3 mil)
    Quarterly return on equity: 7.20% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.79% ($291.7 mil)
    Quarterly Pretax return on assets: 0.88% ($324.9 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
  • 9Total employees (full-time equivalent)
  • $36,922Total assets
  • $2,654Cash and due from depository institutions
  • $1,745Interest-bearing balances
  • $22,643Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $10,322Net loans & leases
  • $141Loan loss allowance
  • $0Trading account assets
  • $146Bank premises and fixed assets
  • $28Other real estate owned
  • $673Goodwill and other intangibles
  • $36,921Life insurance assets
  • $456All other assets
  • $32,781Total liabilities and capital
  • $32,444Total liabilities
  • $26,824Total deposits
  • $32,444Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 250.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $87Subordinated debt
  • $4,140All other liabilities
  • $4,140Total equity capital
  • $4,140Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $3,275Surplus
  • $765Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $229Long-term assets (5+ years)
  • $34,710Average Assets, year-to-date
  • $17,289Average Assets, quarterly
  • $36,317Volatile liabilities
  • $37,025Insider loans
  • $17,152FHLB advances
  • $36,683Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,360Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,235Restructured Loans and leases
  • $2Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,128Total interest income
  • $225Total interest expense
  • $903Net interest income
  • $181Provision for loan and lease losses
  • $122Total noninterest income
  • $0Fiduciary activities
  • $91Service charges on deposit accounts
  • $0Trading account gains & fees
  • $31Additional noninterest income
  • $757Total noninterest expense
  • $458Salaries and employee benefits
  • $91Premises and equipment expense
  • $208Additional noninterest expense
  • $87Pre-tax net operating income
  • $200Securities gains (losses)
  • $14Applicable income taxes
  • $273Income before extraordinary items
  • $0Extraordinary gains - net
  • $273Net income attributable to bank
  • $0Net charge-offs
  • $273Cash dividends
  • $205Sale, conversion, retirement of capital stock, net
  • $183Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.30%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 2.64%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 2.21%Noninterest expense to earning assets
  • 0.23%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 0.79%Pretax return on assets
  • 6.78%Return on equity (ROE)
  • 2.23%Retained earnings to average equity (YTD only)
  • 1.85%Net charge-offs to loans
  • 88.29%Credit loss provision to net charge-offs
  • 1.31%Efficiency ratio
  • 67,317Assets per employee
  • 4.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.03%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 31.81%Net loans and leases to core deposits
  • 33.01%Equity capital to assets
  • 11.21%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 19.59%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $36,317Average earning assets
  • $4,029Average equity
  • $34,195Average 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
  • $215Managed 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
  • 34Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $215Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0177Manson State Bank1001 Main St, Manson, IA 50563January 01, 1933Full Service Brick and Mortar

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