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


State Bank of Ledyard - Overview

  • General
  • FDIC Certificate #: 14411
    Status: Active
    Federal Reserve ID: 856140
    Bank Holding Company (Regulatory Top Holder): Ledyard Bancorporation, Inc. (RSSDID: 2908221, Location: Ledyard, IA)
    Date Established: January 01, 1892
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 9003
    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: April 15, 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: 210 Edmunds St, Ledyard, IA 50556
    County: Kossuth
    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: $37.2 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $31.1 mil
    Return on assets (ROA): 1.65% ($0.6 mil)
    Quarterly return on assets: 1.55% ($0.6 mil)
    Return on Equity (ROE): 12.57% ($0.6 mil)
    Quarterly return on equity: 11.28% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.73% ($643.7 mil)
    Quarterly Pretax return on assets: 1.63% ($606.5 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)
  • $37,208Total assets
  • $2,118Cash and due from depository institutions
  • $1,472Interest-bearing balances
  • $6,737Securities
  • $460Federal funds sold & reverse repurchase agreements
  • $27,051Net loans & leases
  • $156Loan loss allowance
  • $0Trading account assets
  • $110Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $37,208Life insurance assets
  • $732All other assets
  • $31,998Total liabilities and capital
  • $31,109Total liabilities
  • $26,371Total deposits
  • $31,109Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 800.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $89Subordinated debt
  • $5,210All other liabilities
  • $5,210Total equity capital
  • $5,210Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $850Surplus
  • $4,160Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $20Income earned, not collected on loans
  • $0Earning assets
  • $542Long-term assets (5+ years)
  • $35,720Average Assets, year-to-date
  • $2,783Average Assets, quarterly
  • $37,721Volatile liabilities
  • $37,490Insider loans
  • $29,434FHLB advances
  • $37,543Loans and leases held for sale
  • $22Unused loan commitments
  • $22Tier 1 (core) risk-based capital
  • $5,211Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,937Restructured Loans and leases
  • $1,117Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,624Total interest income
  • $363Total interest expense
  • $1,261Net interest income
  • $0Provision for loan and lease losses
  • $63Total noninterest income
  • $0Fiduciary activities
  • $53Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10Additional noninterest income
  • $673Total noninterest expense
  • $414Salaries and employee benefits
  • $84Premises and equipment expense
  • $175Additional noninterest expense
  • $651Pre-tax net operating income
  • $2Securities gains (losses)
  • $30Applicable income taxes
  • $623Income before extraordinary items
  • $0Extraordinary gains - net
  • $623Net income attributable to bank
  • $0Net charge-offs
  • $623Cash dividends
  • $54Sale, conversion, retirement of capital stock, net
  • $405Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.47%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 1.85%Noninterest expense to earning assets
  • 1.65%Net operating income to assets
  • 1.65%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 12.57%Return on equity (ROE)
  • 4.40%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 12.06%Efficiency ratio
  • 50,831Assets per employee
  • 4.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.01%Loss allowance to loans
  • 0.57%Loss allowance to noncurrent loans
  • 780.00%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 86.96%Net loans and leases to core deposits
  • 99.55%Equity capital to assets
  • 14.00%Core capital (leverage) ratio
  • 13.88%Tier 1 risk-based capital ratio
  • 17.70%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $37,721Average earning assets
  • $4,956Average equity
  • $36,368Average 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
  • $53Managed 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
  • 7Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $53Other retirement accounts
  • $53Corporate 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
    09003State Bank Of Ledyard210 Edmunds St, Ledyard, IA 50556January 01, 1892Full Service Brick and Mortar

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