Dubuque Bank and Trust Company in Dubuque, Iowa (IA), IL
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Dubuque Bank and Trust Company in Dubuque, Iowa (IA), IL
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Dubuque Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 15219
    Status: Active
    Federal Reserve ID: 642549
    Bank Holding Company (Regulatory Top Holder): Heartland Financial Usa, Inc. (RSSDID: 1206546, Location: Dubuque, IA)
    Date Established: July 03, 1935
    WWW: http://www.dubuquebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: Yes)
    OTS Docket #: 9365
    FDIC's unique #: 9574
    Numeric code: 21
    Regulator: FDIC
    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: July 03, 1935
    Last Structure Change Effective Date: June 10, 2011
    Last Structure Change Process Date: June 15, 2011
    Last Data Update: June 15, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1398 Central Avenue, 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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,381.7 mil
    Equity capital: $123.4 mil
    Deposits held in domestic offices: $938.0 mil
    Return on assets (ROA): 1.66% ($22.9 mil)
    Quarterly return on assets: 1.46% ($20.2 mil)
    Return on Equity (ROE): 17.95% ($22.1 mil)
    Quarterly return on equity: 15.67% ($19.3 mil)
    Net income: $21.5 mil
    Quarterly Net income: $4.8 mil
    Pretax return on assets: 2.50% ($34,541.8 mil)
    Quarterly Pretax return on assets: 2.13% ($29,429.7 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
  • 281Total employees (full-time equivalent)
  • $1,381,674Total assets
  • $85,679Cash and due from depository institutions
  • $45,518Interest-bearing balances
  • $382,376Securities
  • $22,752Federal funds sold & reverse repurchase agreements
  • $799,760Net loans & leases
  • $9,365Loan loss allowance
  • $0Trading account assets
  • $19,485Bank premises and fixed assets
  • $2,535Other real estate owned
  • $13,425Goodwill and other intangibles
  • $1,381,674Life insurance assets
  • $55,662All other assets
  • $1,258,295Total liabilities and capital
  • $938,000Total liabilities
  • $734,891Total deposits
  • $938,000Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 263355.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $43,742Trading liabilities
  • $0Other borrowed funds
  • $13,198Subordinated debt
  • $123,379All other liabilities
  • $123,379Total equity capital
  • $123,379Total bank equity capital
  • $0Perpetual preferred stock
  • $3,002Common stock
  • $22,621Surplus
  • $97,756Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $30,963Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,634Income earned, not collected on loans
  • $66Earning assets
  • $6,188Long-term assets (5+ years)
  • $1,250,406Average Assets, year-to-date
  • $345,270Average Assets, quarterly
  • $1,293,789Volatile liabilities
  • $1,328,395Insider loans
  • $999,529FHLB advances
  • $1,324,028Loans and leases held for sale
  • $25,433Unused loan commitments
  • $3,679Tier 1 (core) risk-based capital
  • $116,103Tier 2 risk-based capital
  • $21,754Total risk weighted assets
  • $0Total unused commitments
  • $272,076Restructured Loans and leases
  • $42,076Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $55,888Total interest income
  • $13,716Total interest expense
  • $42,172Net interest income
  • -$37Provision for loan and lease losses
  • $24,393Total noninterest income
  • $8,664Fiduciary activities
  • $2,086Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13,643Additional noninterest income
  • $36,812Total noninterest expense
  • $17,995Salaries and employee benefits
  • $2,198Premises and equipment expense
  • $16,619Additional noninterest expense
  • $29,790Pre-tax net operating income
  • $2,502Securities gains (losses)
  • $10,754Applicable income taxes
  • $21,538Income before extraordinary items
  • $0Extraordinary gains - net
  • $21,538Net income attributable to bank
  • $0Net charge-offs
  • $21,538Cash dividends
  • $3,029Sale, conversion, retirement of capital stock, net
  • $15,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 3.58%Net interest margin
  • 2.07%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.66%Return on assets (ROA)
  • 2.50%Pretax return on assets
  • 17.95%Return on equity (ROE)
  • 5.03%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • -1.22%Credit loss provision to net charge-offs
  • 9.82%Efficiency ratio
  • 55,227Assets per employee
  • 4.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.97%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 257.71%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 0.45%Net loans and leases to deposits
  • 85.26%Net loans and leases to core deposits
  • 90.88%Equity capital to assets
  • 8.93%Core capital (leverage) ratio
  • 8.77%Tier 1 risk-based capital ratio
  • 11.62%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,293,789Average earning assets
  • $119,993Average equity
  • $1,176,752Average 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
  • $2,190,250Managed Assets
  • 1Number of Accounts
  • $1,849,585Personal trust and agency accounts
  • $386,992Employee benefit-defined contribution accounts
  • $887,704Employee benefit-defined benefit accounts
  • $3,355Other retirement accounts
  • $121,145Corporate trust and agency accounts
  • $437Investment management agency accounts
  • $404,425Other fiduciary accounts
  • $43,751Fiduciary accounts held in foreign offices
  • $1,776Non-managed Assets
  • 1989Number of Accounts
  • $0Personal trust and agency accounts
  • $121,145Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $340,665Other retirement accounts
  • $13,847Corporate trust and agency accounts
  • $316,828Other fiduciary accounts
  • $8,409Fiduciary accounts held in foreign offices

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1844346Hancock Savings Branch618 Main Street, Carthage, IL 62321January 01, 1965Full Service Brick and Mortar
  • 12 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09574Dubuque Bank And Trust Company1398 Central Avenue, Dubuque, IA 52001July 03, 1935Full Service Brick and Mortar
    1233363Motor Bank Branch50 Loras Boulevard, Dubuque, IA 52001July 11, 1960Limited Service Facility
    3233365Grandview Branch500 North Grandview Avenue, Dubuque, IA 52001July 13, 1970Full Service Brick and Mortar
    5233367Key West Branch2690 Rockdale Road, Key West, IA 52001July 21, 1975Full Service Brick and Mortar
    105422Main Street Branch1275 Main Street, Dubuque, IA 52001January 01, 1905Limited Service Administrative
    11218623Epworth BranchMain And Center Streets, Epworth, IA 52045December 16, 1968Full Service Brick and Mortar
    13233370Kennedy Mall BranchKennedy Mall Shopping Center, Dubuque, IA 52001January 01, 1990Full Service Brick and Mortar
    147247Farley Branch309 First Street Southeast, Farley, IA 52046June 01, 1906Full Service Brick and Mortar
    15224392Holy Cross BranchMain Street Near Maple Road, Holy Cross, IA 52053March 06, 1978Full Service Brick and Mortar
    16422921Holliday Drive Branch2196 Holliday Drive, Dubuque, IA 52001August 11, 2003Full Service Brick and Mortar
    1743486First Community Bank Branch4th And Concert, Keokuk, IA 52632January 01, 1872Full Service Brick and Mortar
    19281320Keokuk Branch115 Boulevard Road, Keokuk, IA 52632August 28, 1996Full Service Brick and Mortar

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