American Trust & Savings Bank in Dubuque, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • American Trust & Savings Bank in Dubuque, Iowa (IA)
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American Trust & Savings Bank - Overview

  • General
  • FDIC Certificate #: 13150
    Status: Active
    Federal Reserve ID: 596848
    Bank Holding Company (Regulatory Top Holder): Atbancorp (RSSDID: 1134694, Location: Dubuque, IA)
    Date Established: January 01, 1905
    WWW: http://www.americantrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 10181
    FDIC's unique #: 8314
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Commercial Lending 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: 9th And Main Streets, Dubuque, IA 52001
    County: Dubuque
    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
    Metropolitan Statistical Area (MSA): Dubuque, IA (#2200)
    Core Based Statistical Area (CBSA): Dubuque, IA (#20220)
    CBSA Metro Statistical Area: Dubuque, IA (#20220)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $860.9 mil
    Equity capital: $87.4 mil
    Deposits held in domestic offices: $716.7 mil
    Return on assets (ROA): 1.50% ($12.9 mil)
    Quarterly return on assets: 0.81% ($7.0 mil)
    Return on Equity (ROE): 14.03% ($12.2 mil)
    Quarterly return on equity: 7.56% ($6.6 mil)
    Net income: $12.5 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 1.17% ($10,072.4 mil)
    Quarterly Pretax return on assets: 1.11% ($9,555.9 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
  • 255Total employees (full-time equivalent)
  • $860,893Total assets
  • $88,124Cash and due from depository institutions
  • $60,994Interest-bearing balances
  • $91,580Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $634,144Net loans & leases
  • $11,654Loan loss allowance
  • $0Trading account assets
  • $12,434Bank premises and fixed assets
  • $10,364Other real estate owned
  • $3,095Goodwill and other intangibles
  • $860,893Life insurance assets
  • $21,152All other assets
  • $773,461Total liabilities and capital
  • $716,702Total liabilities
  • $599,188Total deposits
  • $716,702Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 45658.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $11,101Subordinated debt
  • $87,432All other liabilities
  • $87,432Total equity capital
  • $87,432Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $33,000Surplus
  • $52,432Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,582Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,248Income earned, not collected on loans
  • $306Earning assets
  • $3,085Long-term assets (5+ years)
  • $786,718Average Assets, year-to-date
  • $80,299Average Assets, quarterly
  • $833,460Volatile liabilities
  • $855,041Insider loans
  • $701,802FHLB advances
  • $858,741Loans and leases held for sale
  • $7,076Unused loan commitments
  • $7,076Tier 1 (core) risk-based capital
  • $84,843Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $360,295Restructured Loans and leases
  • $71,344Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $37,546Total interest income
  • $6,742Total interest expense
  • $30,804Net interest income
  • $4,320Provision for loan and lease losses
  • $16,117Total noninterest income
  • $9,077Fiduciary activities
  • $1,632Service charges on deposit accounts
  • $11Trading account gains & fees
  • $5,397Additional noninterest income
  • $32,843Total noninterest expense
  • $17,798Salaries and employee benefits
  • $3,687Premises and equipment expense
  • $11,358Additional noninterest expense
  • $9,758Pre-tax net operating income
  • $0Securities gains (losses)
  • -$2,772Applicable income taxes
  • $12,530Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,530Net income attributable to bank
  • $0Net charge-offs
  • $12,530Cash dividends
  • $4,418Sale, conversion, retirement of capital stock, net
  • $10,850Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 4.03%Net interest margin
  • 2.11%Noninterest income to earning assets
  • 4.30%Noninterest expense to earning assets
  • 1.50%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 14.03%Return on equity (ROE)
  • 1.88%Retained earnings to average equity (YTD only)
  • 0.68%Net charge-offs to loans
  • 97.78%Credit loss provision to net charge-offs
  • 3.19%Efficiency ratio
  • 69,996Assets per employee
  • 3.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.59%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 81.79%Noncurrent assets plus other real estate owned to assets
  • 2.86%Noncurrent loans to loans
  • 2.21%Net loans and leases to deposits
  • 88.48%Net loans and leases to core deposits
  • 92.01%Equity capital to assets
  • 10.16%Core capital (leverage) ratio
  • 9.88%Tier 1 risk-based capital ratio
  • 12.09%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $833,460Average earning assets
  • $89,282Average equity
  • $764,277Average 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
  • $1,406,529Managed Assets
  • 1Number of Accounts
  • $1,173,000Personal trust and agency accounts
  • $405,981Employee benefit-defined contribution accounts
  • $625,887Employee benefit-defined benefit accounts
  • $2,381Other retirement accounts
  • $60,556Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $3,507Other fiduciary accounts
  • $73,655Fiduciary accounts held in foreign offices
  • $1,033Non-managed Assets
  • 2167Number of Accounts
  • $0Personal trust and agency accounts
  • $34,714Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $233,529Other retirement accounts
  • $24,177Corporate trust and agency accounts
  • $52,422Other fiduciary accounts
  • $12,560Fiduciary accounts held in foreign offices

List of branches

  • 10 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08314American Trust & Savings Bank9th And Main Streets, Dubuque, IA 52001January 01, 1905Full Service Brick and Mortar
    1229215Parking Lot Branch911-37 Locust Street, Dubuque, IA 52001March 01, 1965Full Service Brick and Mortar
    2229216Kennedy Road Branch190 John F. Kennedy Road, Dubuque, IA 52001October 25, 1968Full Service Brick and Mortar
    3229217Key West Branch2600 Rockdale Road, Dubuque, IA 52001July 21, 1975Full Service Brick and Mortar
    422921832nd And Jackson Street Branch3250 Jackson Street, Dubuque, IA 52001Febuary 23, 1976Full Service Brick and Mortar
    52942First Avenue Branch301 First Avenue, East, Dyersville, IA 52040December 15, 1930Full Service Brick and Mortar
    7419579Farley Branch400 First Street Sw, Farley, IA 52046March 04, 2003Full Service Brick and Mortar
    9465799Hartig Drug Office Branch1600 University Avenue, Dubuque, IA 52001March 28, 2007Full Service Brick and Mortar
    10466294Hawthorne Plaza Office Branch9350 University Avenue, West Des Moines, IA 50266June 04, 2007Full Service Brick and Mortar
    11478954Asbury Road Office Branch4730 Asbury Road, Dubuque, IA 52001November 13, 2007Full Service Brick and Mortar

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