Menno State Bank in Menno, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

Menno State Bank - Overview

  • General
  • FDIC Certificate #: 9003
    Status: Active
    Federal Reserve ID: 413851
    Bank Holding Company (Regulatory Top Holder): Menno Holding Company (RSSDID: 1126831, Location: Menno, SD)
    Date Established: January 01, 1901
    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 #: 5750
    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: 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: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 105 South Fifth Street, Menno, SD 57045
    County: Hutchinson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux Falls
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $33.9 mil
    Equity capital: $3.4 mil
    Deposits held in domestic offices: $29.9 mil
    Return on assets (ROA): 1.04% ($0.4 mil)
    Quarterly return on assets: 0.40% ($0.1 mil)
    Return on Equity (ROE): 10.00% ($0.3 mil)
    Quarterly return on equity: 3.88% ($0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.33% ($451.3 mil)
    Quarterly Pretax return on assets: 0.31% ($105.2 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
  • 8Total employees (full-time equivalent)
  • $33,931Total assets
  • $5,170Cash and due from depository institutions
  • $3,164Interest-bearing balances
  • $12,513Securities
  • $3,779Federal funds sold & reverse repurchase agreements
  • $11,547Net loans & leases
  • $226Loan loss allowance
  • $0Trading account assets
  • $87Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $33,931Life insurance assets
  • $835All other assets
  • $30,528Total liabilities and capital
  • $29,935Total liabilities
  • $22,878Total deposits
  • $29,935Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $593Subordinated debt
  • $3,403All other liabilities
  • $3,403Total equity capital
  • $3,403Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $950Surplus
  • $2,353Undivided 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
  • $393Long-term assets (5+ years)
  • $31,003Average Assets, year-to-date
  • $3,324Average Assets, quarterly
  • $33,044Volatile liabilities
  • $33,704Insider loans
  • $18,485FHLB advances
  • $35,204Loans and leases held for sale
  • $312Unused loan commitments
  • $312Tier 1 (core) risk-based capital
  • $3,294Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,908Restructured Loans and leases
  • $52Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,134Total interest income
  • $183Total interest expense
  • $951Net interest income
  • $7Provision for loan and lease losses
  • $207Total noninterest income
  • $0Fiduciary activities
  • $49Service charges on deposit accounts
  • $0Trading account gains & fees
  • $158Additional noninterest income
  • $712Total noninterest expense
  • $439Salaries and employee benefits
  • $49Premises and equipment expense
  • $224Additional noninterest expense
  • $439Pre-tax net operating income
  • $0Securities gains (losses)
  • $96Applicable income taxes
  • $343Income before extraordinary items
  • $0Extraordinary gains - net
  • $343Net income attributable to bank
  • $0Net charge-offs
  • $343Cash dividends
  • $8Sale, conversion, retirement of capital stock, net
  • $225Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.75%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.15%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 10.00%Return on equity (ROE)
  • 3.44%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 87.50%Credit loss provision to net charge-offs
  • 55.75%Efficiency ratio
  • 61,485Assets per employee
  • 4.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.60%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 38.57%Net loans and leases to core deposits
  • 38.57%Equity capital to assets
  • 10.03%Core capital (leverage) ratio
  • 9.36%Tier 1 risk-based capital ratio
  • 17.82%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $33,044Average earning assets
  • $3,430Average equity
  • $30,228Average loans

List of branches

  • 1 South Dakota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05750Menno State Bank105 South Fifth Street, Menno, SD 57045January 01, 1901Full Service Brick and Mortar

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