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

American Trust and Savings Bank - Overview

  • General
  • FDIC Certificate #: 10120
    Status: Active
    Federal Reserve ID: 675341
    Bank Holding Company (Regulatory Top Holder): Lowden Bancshares, Inc. (RSSDID: 1140846, Location: Lowden, IA)
    Date Established: October 01, 1913
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 6473
    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: June 08, 2010
    Last Data Update: June 08, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 309 Mckinley Avenue, Lowden, IA 52255
    County: Cedar
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $30.9 mil
    Equity capital: $5.7 mil
    Deposits held in domestic offices: $24.5 mil
    Return on assets (ROA): 0.77% ($0.2 mil)
    Quarterly return on assets: -0.79% (-$0.2 mil)
    Return on Equity (ROE): 4.36% ($0.3 mil)
    Quarterly return on equity: -4.35% (-$0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.77% ($237.6 mil)
    Quarterly Pretax return on assets: -0.79% (-$243.8 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
  • 6Total employees (full-time equivalent)
  • $30,855Total assets
  • $1,481Cash and due from depository institutions
  • $992Interest-bearing balances
  • $18,038Securities
  • $1,506Federal funds sold & reverse repurchase agreements
  • $7,578Net loans & leases
  • $230Loan loss allowance
  • $0Trading account assets
  • $95Bank premises and fixed assets
  • $540Other real estate owned
  • $0Goodwill and other intangibles
  • $30,855Life insurance assets
  • $1,617All other assets
  • $25,189Total liabilities and capital
  • $24,462Total liabilities
  • $21,636Total deposits
  • $24,462Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $727Subordinated debt
  • $5,666All other liabilities
  • $5,666Total equity capital
  • $5,666Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $3,100Surplus
  • $2,266Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $203Income earned, not collected on loans
  • $0Earning assets
  • $295Long-term assets (5+ years)
  • $28,114Average Assets, year-to-date
  • $16,570Average Assets, quarterly
  • $30,651Volatile liabilities
  • $31,333Insider loans
  • $23,340FHLB advances
  • $30,882Loans and leases held for sale
  • $131Unused loan commitments
  • $131Tier 1 (core) risk-based capital
  • $4,440Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $582Restructured Loans and leases
  • $367Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,235Total interest income
  • $327Total interest expense
  • $908Net interest income
  • -$300Provision for loan and lease losses
  • $98Total noninterest income
  • $5Fiduciary activities
  • $22Service charges on deposit accounts
  • $0Trading account gains & fees
  • $71Additional noninterest income
  • $1,117Total noninterest expense
  • $634Salaries and employee benefits
  • $114Premises and equipment expense
  • $369Additional noninterest expense
  • $189Pre-tax net operating income
  • $47Securities gains (losses)
  • $0Applicable income taxes
  • $236Income before extraordinary items
  • $0Extraordinary gains - net
  • $236Net income attributable to bank
  • $0Net charge-offs
  • $236Cash dividends
  • -$217Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 4.11%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 4.36%Return on equity (ROE)
  • 4.36%Retained earnings to average equity (YTD only)
  • -2.66%Net charge-offs to loans
  • 138.25%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 111,034Assets per employee
  • 5.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.95%Loss allowance to noncurrent loans
  • 113.30%Noncurrent assets plus other real estate owned to assets
  • 2.41%Noncurrent loans to loans
  • 2.60%Net loans and leases to deposits
  • 30.98%Net loans and leases to core deposits
  • 31.76%Equity capital to assets
  • 18.36%Core capital (leverage) ratio
  • 14.38%Tier 1 risk-based capital ratio
  • 19.02%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $30,651Average earning assets
  • $5,408Average equity
  • $27,147Average 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
  • $757Managed Assets
  • 1Number of Accounts
  • $727Personal trust and agency accounts
  • $727Employee 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
  • 12Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $30Other 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
    06473American Trust And Savings Bank309 Mckinley Avenue, Lowden, IA 52255October 01, 1913Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with American Trust and Savings Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents