American Savings Bank in Tripoli, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Savings Bank - Overview

  • General
  • FDIC Certificate #: 9104
    Status: Active
    Federal Reserve ID: 337247
    Bank Holding Company (Regulatory Top Holder): Tripoli Bancshares, Inc. (RSSDID: 1141508, Location: Saint Paul, MN)
    Date Established: January 10, 1899
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 9913
    FDIC's unique #: 5830
    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: 312 S. Main St, Tripoli, IA 50676
    County: Bremer
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Cedar Rapids
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Waterloo-Cedar Falls, IA (#47940)
    CBSA Metro Statistical Area: Waterloo-Cedar Falls, IA (#47940)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $50.9 mil
    Equity capital: $8.4 mil
    Deposits held in domestic offices: $38.8 mil
    Return on assets (ROA): 1.94% ($1.0 mil)
    Quarterly return on assets: 1.80% ($0.9 mil)
    Return on Equity (ROE): 12.26% ($1.0 mil)
    Quarterly return on equity: 10.80% ($0.9 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 2.04% ($1,038.8 mil)
    Quarterly Pretax return on assets: 1.91% ($972.6 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)
  • $50,921Total assets
  • $1,149Cash and due from depository institutions
  • $0Interest-bearing balances
  • $23,077Securities
  • $1,840Federal funds sold & reverse repurchase agreements
  • $23,670Net loans & leases
  • $309Loan loss allowance
  • $0Trading account assets
  • $110Bank premises and fixed assets
  • $120Other real estate owned
  • $0Goodwill and other intangibles
  • $50,921Life insurance assets
  • $955All other assets
  • $42,520Total liabilities and capital
  • $38,813Total liabilities
  • $34,737Total deposits
  • $38,813Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,552Trading liabilities
  • $0Other borrowed funds
  • $155Subordinated debt
  • $8,401All other liabilities
  • $8,401Total equity capital
  • $8,401Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,700Surplus
  • $6,501Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $156Income earned, not collected on loans
  • $0Earning assets
  • $360Long-term assets (5+ years)
  • $48,587Average Assets, year-to-date
  • $27,850Average Assets, quarterly
  • $49,740Volatile liabilities
  • $50,482Insider loans
  • $32,325FHLB advances
  • $50,993Loans and leases held for sale
  • $274Unused loan commitments
  • $274Tier 1 (core) risk-based capital
  • $7,786Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,403Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,212Total interest income
  • $627Total interest expense
  • $1,585Net interest income
  • $0Provision for loan and lease losses
  • $139Total noninterest income
  • $5Fiduciary activities
  • $64Service charges on deposit accounts
  • $0Trading account gains & fees
  • $70Additional noninterest income
  • $756Total noninterest expense
  • $421Salaries and employee benefits
  • $59Premises and equipment expense
  • $276Additional noninterest expense
  • $968Pre-tax net operating income
  • $46Securities gains (losses)
  • $50Applicable income taxes
  • $964Income before extraordinary items
  • $0Extraordinary gains - net
  • $964Net income attributable to bank
  • $0Net charge-offs
  • $964Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 1.60%Noninterest expense to earning assets
  • 1.85%Net operating income to assets
  • 1.94%Return on assets (ROA)
  • 2.04%Pretax return on assets
  • 12.26%Return on equity (ROE)
  • 7.17%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 43,852Assets per employee
  • 6.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.49%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 198.08%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.65%Net loans and leases to deposits
  • 60.98%Net loans and leases to core deposits
  • 64.53%Equity capital to assets
  • 16.50%Core capital (leverage) ratio
  • 15.27%Tier 1 risk-based capital ratio
  • 24.09%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $49,740Average earning assets
  • $7,862Average equity
  • $47,306Average 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
  • $2,765Managed Assets
  • 1Number of Accounts
  • $2,765Personal trust and agency accounts
  • $2,765Employee 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
  • 33Number 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
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05830American Savings Bank312 S. Main St, Tripoli, IA 50676January 10, 1899Full Service Brick and Mortar

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