C US Bank in Cresco, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

C US Bank - Overview

  • General
  • FDIC Certificate #: 18443
    Status: Active
    Federal Reserve ID: 900146
    Bank Holding Company (Regulatory Top Holder): How-Win Development Co. (RSSDID: 1200496, Location: Cresco, IA)
    Date Established: April 01, 1888
    WWW: http://www.cusb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 10771
    FDIC's unique #: 12343
    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: October 03, 1961
    Last Structure Change Effective Date: June 27, 2008
    Last Structure Change Process Date: July 31, 2008
    Last Data Update: July 31, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 North Elm Street, Cresco, IA 52136
    County: Howard
    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
  • Financial Summary
  • Total assets: $344.2 mil
    Equity capital: $43.6 mil
    Deposits held in domestic offices: $281.3 mil
    Return on assets (ROA): 1.82% ($6.3 mil)
    Quarterly return on assets: 1.81% ($6.2 mil)
    Return on Equity (ROE): 15.10% ($6.6 mil)
    Quarterly return on equity: 14.33% ($6.3 mil)
    Net income: $6.3 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 1.91% ($6,573.6 mil)
    Quarterly Pretax return on assets: 1.92% ($6,608.0 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
  • 79Total employees (full-time equivalent)
  • $344,166Total assets
  • $4,195Cash and due from depository institutions
  • $1,358Interest-bearing balances
  • $68,671Securities
  • $732Federal funds sold & reverse repurchase agreements
  • $251,721Net loans & leases
  • $4,111Loan loss allowance
  • $0Trading account assets
  • $6,333Bank premises and fixed assets
  • $470Other real estate owned
  • $4,569Goodwill and other intangibles
  • $344,166Life insurance assets
  • $7,475All other assets
  • $300,543Total liabilities and capital
  • $281,314Total liabilities
  • $260,273Total deposits
  • $281,314Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $4,229Subordinated debt
  • $43,623All other liabilities
  • $43,623Total equity capital
  • $43,623Total bank equity capital
  • $0Perpetual preferred stock
  • $197Common stock
  • $7,303Surplus
  • $36,123Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $119Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $718Income earned, not collected on loans
  • $0Earning assets
  • $3,488Long-term assets (5+ years)
  • $322,482Average Assets, year-to-date
  • $87,080Average Assets, quarterly
  • $344,948Volatile liabilities
  • $344,976Insider loans
  • $304,592FHLB advances
  • $340,353Loans and leases held for sale
  • $375Unused loan commitments
  • $375Tier 1 (core) risk-based capital
  • $36,576Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $71,689Restructured Loans and leases
  • $3,198Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,614Total interest income
  • $3,536Total interest expense
  • $13,078Net interest income
  • $680Provision for loan and lease losses
  • $2,437Total noninterest income
  • $4Fiduciary activities
  • $1,513Service charges on deposit accounts
  • $0Trading account gains & fees
  • $920Additional noninterest income
  • $8,257Total noninterest expense
  • $4,889Salaries and employee benefits
  • $1,045Premises and equipment expense
  • $2,323Additional noninterest expense
  • $6,578Pre-tax net operating income
  • $16Securities gains (losses)
  • $330Applicable income taxes
  • $6,264Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,264Net income attributable to bank
  • $0Net charge-offs
  • $6,264Cash dividends
  • $176Sale, conversion, retirement of capital stock, net
  • $3,575Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 2.58%Noninterest expense to earning assets
  • 1.81%Net operating income to assets
  • 1.82%Return on assets (ROA)
  • 1.91%Pretax return on assets
  • 15.10%Return on equity (ROE)
  • 6.48%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 386.36%Credit loss provision to net charge-offs
  • 41.24%Efficiency ratio
  • 52,588Assets per employee
  • 4.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.07%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 572.56%Noncurrent assets plus other real estate owned to assets
  • 0.35%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 89.48%Net loans and leases to core deposits
  • 96.48%Equity capital to assets
  • 12.67%Core capital (leverage) ratio
  • 10.75%Tier 1 risk-based capital ratio
  • 12.01%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $344,948Average earning assets
  • $41,474Average equity
  • $320,546Average 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
  • $24,824Managed Assets
  • 1Number of Accounts
  • $24,824Personal trust and agency accounts
  • $24,824Employee 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
  • 17Number 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

  • 5 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012343C Us Bank111 North Elm Street, Cresco, IA 52136April 01, 1888Full Service Brick and Mortar
    112344Ridgeway Branch410 North Street, Highway 9, Ridgeway, IA 52165July 18, 1932Full Service Brick and Mortar
    212480Lime Springs Branch132 West Main Street, Lime Springs, IA 52155January 01, 1934Full Service Brick and Mortar
    3275246Osage Branch601 Main Street, Osage, IA 50461August 12, 1935Full Service Brick and Mortar
    4357027Charles City Branch1407 South Grand Avenue, Charles City, IA 50616June 01, 2000Full Service Brick and Mortar

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