Community State Bank, National Association in Ankeny, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community State Bank, National Association in Ankeny, Iowa (IA)
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Community State Bank, National Association - Overview

  • General
  • FDIC Certificate #: 18272
    Status: Active
    Federal Reserve ID: 790543
    Bank Holding Company (Regulatory Top Holder): Van Diest Investment Company (RSSDID: 1205026, Location: Ankeny, IA)
    Date Established: July 15, 1960
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 12656
    FDIC's unique #: 12188
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 15, 1960
    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: 817 North Ankeny Boulevard, Ankeny, IA 50021
    County: Polk
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Des Moines
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Des Moines, IA (#2120)
    Combined Statistical Area (CSA): Des Moines-Newton-Pella, IA (#218)
    Core Based Statistical Area (CBSA): Des Moines-West Des Moines, IA (#19780)
    CBSA Metro Statistical Area: Des Moines-West Des Moines, IA (#19780)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $547.6 mil
    Equity capital: $58.5 mil
    Deposits held in domestic offices: $434.8 mil
    Return on assets (ROA): -0.31% (-$1.7 mil)
    Quarterly return on assets: -0.49% (-$2.7 mil)
    Return on Equity (ROE): -3.09% (-$1.8 mil)
    Quarterly return on equity: -4.66% (-$2.7 mil)
    Net income: -$1.7 mil
    Quarterly Net income: -$0.7 mil
    Pretax return on assets: -0.58% (-$3,176.3 mil)
    Quarterly Pretax return on assets: -0.86% (-$4,709.6 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
  • 175Total employees (full-time equivalent)
  • $547,632Total assets
  • $63,281Cash and due from depository institutions
  • $52,238Interest-bearing balances
  • $115,214Securities
  • $1,195Federal funds sold & reverse repurchase agreements
  • $326,172Net loans & leases
  • $10,159Loan loss allowance
  • $0Trading account assets
  • $13,842Bank premises and fixed assets
  • $9,455Other real estate owned
  • $4,818Goodwill and other intangibles
  • $547,632Life insurance assets
  • $13,655All other assets
  • $489,176Total liabilities and capital
  • $434,795Total liabilities
  • $348,025Total deposits
  • $434,795Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $50,500Trading liabilities
  • $0Other borrowed funds
  • $3,881Subordinated debt
  • $58,456All other liabilities
  • $58,456Total equity capital
  • $58,456Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $37,903Surplus
  • $19,953Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $234Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,268Income earned, not collected on loans
  • $3,449Earning assets
  • $2,034Long-term assets (5+ years)
  • $494,819Average Assets, year-to-date
  • $143,826Average Assets, quarterly
  • $538,958Volatile liabilities
  • $536,458Insider loans
  • $356,380FHLB advances
  • $523,031Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $51,842Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $61,355Restructured Loans and leases
  • $10,938Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,933Total interest income
  • $4,861Total interest expense
  • $18,072Net interest income
  • $8,965Provision for loan and lease losses
  • $6,003Total noninterest income
  • $0Fiduciary activities
  • $2,342Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,661Additional noninterest income
  • $18,449Total noninterest expense
  • $9,473Salaries and employee benefits
  • $2,243Premises and equipment expense
  • $6,733Additional noninterest expense
  • -$3,339Pre-tax net operating income
  • $229Securities gains (losses)
  • -$1,434Applicable income taxes
  • -$1,676Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,676Net income attributable to bank
  • $0Net charge-offs
  • -$1,676Cash dividends
  • $5,111Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.68%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 3.76%Noninterest expense to earning assets
  • -0.34%Net operating income to assets
  • -0.31%Return on assets (ROA)
  • -0.58%Pretax return on assets
  • -3.09%Return on equity (ROE)
  • -3.09%Retained earnings to average equity (YTD only)
  • 1.47%Net charge-offs to loans
  • 175.41%Credit loss provision to net charge-offs
  • 1.10%Efficiency ratio
  • 76,490Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.02%Loss allowance to noncurrent loans
  • 76.57%Noncurrent assets plus other real estate owned to assets
  • 4.15%Noncurrent loans to loans
  • 3.94%Net loans and leases to deposits
  • 75.02%Net loans and leases to core deposits
  • 75.91%Equity capital to assets
  • 10.67%Core capital (leverage) ratio
  • 9.91%Tier 1 risk-based capital ratio
  • 14.55%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $538,958Average earning assets
  • $54,318Average equity
  • $490,430Average loans

Total Fiduciary and Related Assets (December 31, 2002)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $6,881Managed Assets
  • 1Number of Accounts
  • $6,881Personal trust and agency accounts
  • $6,881Employee 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
  • 13Number 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

  • 11 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012188Community State Bank, National Association817 North Ankeny Boulevard, Ankeny, IA 50021July 15, 1960Full Service Brick and Mortar
    1194Altoona Branch200 8th St Se, Altoona, IA 50009July 01, 1933Full Service Brick and Mortar
    2181391White Birch Branch1640 Sw White Birch Cir, Ankeny, IA 50023October 05, 1973Full Service Brick and Mortar
    412629Euclid Des Moines Branch1401 E Euclid Ave, Des Moines, IA 50316April 30, 1963Full Service Brick and Mortar
    6246408Pleasant Hill Branch1025 N Hickory Blvd, Pleasant Hill, IA 50327October 10, 1967Full Service Brick and Mortar
    8244686Johnston Branch6175 Merle Hay Rd, Johnston, IA 50131December 15, 1997Full Service Brick and Mortar
    9244687Southside Des Moines Branch4811 Se 14th St, Des Moines, IA 50320January 31, 2000Full Service Brick and Mortar
    10359768Oralabor Branch902 Se Oralabor Rd, Ankeny, IA 50021December 29, 2000Full Service Brick and Mortar
    11360177East 33rd Des Moines Branch3540 E 33rd St, Des Moines, IA 50317April 09, 2001Full Service Brick and Mortar
    12451771Ankeny Mobile Van Branch817 N Ankeny Blvd, Ankeny, IA 50023April 03, 2006Limited Service Mobile
    13458771Waukee BranchUniversity Ave And Warrior Ln, Waukee, IA 50263December 04, 2006Full Service Brick and Mortar

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