Columbus Junction State Bank in Columbus Junction, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Columbus Junction State Bank in Columbus Junction, Iowa (IA)
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Columbus Junction State Bank - Overview

  • General
  • FDIC Certificate #: 249
    Status: Active
    Federal Reserve ID: 836544
    Bank Holding Company (Regulatory Top Holder): Cjsb Bancorporation (RSSDID: 2351872, Location: Columbus Junction, IA)
    Date Established: January 01, 1927
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 199
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 134 Main Street, Columbus Junction, IA 52738
    County: Louisa
    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): Muscatine, IA (#34700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $55.7 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $50.4 mil
    Return on assets (ROA): 0.76% ($0.4 mil)
    Quarterly return on assets: 0.45% ($0.3 mil)
    Return on Equity (ROE): 8.72% ($0.4 mil)
    Quarterly return on equity: 4.89% ($0.2 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.80% ($445.5 mil)
    Quarterly Pretax return on assets: 0.47% ($261.8 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
  • 16Total employees (full-time equivalent)
  • $55,693Total assets
  • $3,275Cash and due from depository institutions
  • $1,772Interest-bearing balances
  • $20,860Securities
  • $539Federal funds sold & reverse repurchase agreements
  • $29,189Net loans & leases
  • $482Loan loss allowance
  • $0Trading account assets
  • $981Bank premises and fixed assets
  • $14Other real estate owned
  • $0Goodwill and other intangibles
  • $55,693Life insurance assets
  • $835All other assets
  • $50,659Total liabilities and capital
  • $50,428Total liabilities
  • $42,875Total deposits
  • $50,428Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $231Subordinated debt
  • $5,034All other liabilities
  • $5,034Total equity capital
  • $5,034Total bank equity capital
  • $0Perpetual preferred stock
  • $1,387Common stock
  • $1,071Surplus
  • $2,576Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $698Income earned, not collected on loans
  • $0Earning assets
  • $448Long-term assets (5+ years)
  • $52,360Average Assets, year-to-date
  • $19,353Average Assets, quarterly
  • $54,678Volatile liabilities
  • $54,872Insider loans
  • $31,933FHLB advances
  • $55,983Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,452Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,534Restructured Loans and leases
  • $846Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,451Total interest income
  • $499Total interest expense
  • $1,952Net interest income
  • $142Provision for loan and lease losses
  • $142Total noninterest income
  • $0Fiduciary activities
  • $117Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25Additional noninterest income
  • $1,529Total noninterest expense
  • $882Salaries and employee benefits
  • $288Premises and equipment expense
  • $359Additional noninterest expense
  • $423Pre-tax net operating income
  • $14Securities gains (losses)
  • $22Applicable income taxes
  • $415Income before extraordinary items
  • $0Extraordinary gains - net
  • $415Net income attributable to bank
  • $0Net charge-offs
  • $415Cash dividends
  • $197Sale, conversion, retirement of capital stock, net
  • $148Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 8.72%Return on equity (ROE)
  • 5.61%Retained earnings to average equity (YTD only)
  • 0.71%Net charge-offs to loans
  • 72.08%Credit loss provision to net charge-offs
  • 2.87%Efficiency ratio
  • 73,018Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.66%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 69.05%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 2.35%Net loans and leases to deposits
  • 57.88%Net loans and leases to core deposits
  • 59.84%Equity capital to assets
  • 9.04%Core capital (leverage) ratio
  • 7.95%Tier 1 risk-based capital ratio
  • 13.94%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $54,678Average earning assets
  • $4,758Average equity
  • $51,399Average 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
  • $129Managed Assets
  • 1Number of Accounts
  • $129Personal trust and agency accounts
  • $129Employee 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
  • 6Number 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
    0199Columbus Junction State Bank134 Main Street, Columbus Junction, IA 52738January 01, 1927Full Service Brick and Mortar

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