Exchange State Bank in city_name, state_name - Detailed Financial Reports, Location

Exchange State Bank in Collins, Iowa (IA)
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Exchange State Bank routing number info

Exchange State Bank - Overview

General
FDIC Certificate #: 10132
Status: Active
Federal Reserve ID: 805045
Bank Holding Company (Regulatory Top Holder): Mid America Banks, Inc. (RSSDID: 1247905, Location: Collins, IA)
Date Established: January 01, 1902
WWW: http://www.esb1.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 9819
FDIC's unique #: 6484
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: 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: 104 Main Street, Collins, IA 50055
County: Story
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
Combined Statistical Area (CSA): Ames-Boone, IA (#112)
Core Based Statistical Area (CBSA): Ames, IA (#11180)
CBSA Metro Statistical Area: Ames, IA (#11180)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $97.7 mil
Equity capital: $9.2 mil
Deposits held in domestic offices: $75.3 mil
Return on assets (ROA): 1.02% ($1.0 mil)
Quarterly return on assets: 1.01% ($1.0 mil)
Return on Equity (ROE): 10.80% ($1.0 mil)
Quarterly return on equity: 10.45% ($0.9 mil)
Net income: $1.0 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.08% ($1,055.2 mil)
Quarterly Pretax return on assets: 1.06% ($1,035.7 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
18Total employees (full-time equivalent)
$97,705Total assets
$2,143Cash and due from depository institutions
$282Interest-bearing balances
$15,301Securities
$0Federal funds sold & reverse repurchase agreements
$76,870Net loans & leases
$818Loan loss allowance
$0Trading account assets
$350Bank premises and fixed assets
$1,087Other real estate owned
$0Goodwill and other intangibles
$97,705Life insurance assets
$1,954All other assets
$88,458Total liabilities and capital
$75,273Total liabilities
$65,342Total deposits
$75,273Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$13,000Trading liabilities
$0Other borrowed funds
$185Subordinated debt
$9,247All other liabilities
$9,247Total equity capital
$9,247Total bank equity capital
$0Perpetual preferred stock
$170Common stock
$4,930Surplus
$4,147Undivided profits
Memoranda
$0Noncurrent loans and leases
$42Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$360Income earned, not collected on loans
$0Earning assets
$785Long-term assets (5+ years)
$92,453Average Assets, year-to-date
$6,481Average Assets, quarterly
$93,268Volatile liabilities
$95,083Insider loans
$74,969FHLB advances
$95,012Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,046Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,172Restructured Loans and leases
$2,243Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,384Total interest income
$943Total interest expense
$3,441Net interest income
$340Provision for loan and lease losses
$216Total noninterest income
$1Fiduciary activities
$62Service charges on deposit accounts
$0Trading account gains & fees
$153Additional noninterest income
$2,313Total noninterest expense
$1,600Salaries and employee benefits
$321Premises and equipment expense
$392Additional noninterest expense
$1,004Pre-tax net operating income
$0Securities gains (losses)
$50Applicable income taxes
$954Income before extraordinary items
$0Extraordinary gains - net
$954Net income attributable to bank
$0Net charge-offs
$954Cash dividends
$338Sale, conversion, retirement of capital stock, net
$345Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.97%Yield on earning assets
1.07%Cost of funding earning assets
3.90%Net interest margin
0.24%Noninterest income to earning assets
2.62%Noninterest expense to earning assets
1.02%Net operating income to assets
1.02%Return on assets (ROA)
1.08%Pretax return on assets
10.80%Return on equity (ROE)
6.89%Retained earnings to average equity (YTD only)
0.45%Net charge-offs to loans
100.59%Credit loss provision to net charge-offs
3.98%Efficiency ratio
63,249Assets per employee
5.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
36.16%Loss allowance to loans
1.05%Loss allowance to noncurrent loans
227.22%Noncurrent assets plus other real estate owned to assets
1.48%Noncurrent loans to loans
0.46%Net loans and leases to deposits
102.12%Net loans and leases to core deposits
121.07%Equity capital to assets
9.46%Core capital (leverage) ratio
9.52%Tier 1 risk-based capital ratio
12.07%Total risk-based capital ratio
Memoranda
$13Average assets
$93,268Average earning assets
$8,837Average equity
$88,194Average 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
$342Managed Assets
1Number of Accounts
$81Personal trust and agency accounts
$81Employee 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
53Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$261Other retirement accounts
$261Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

3 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6484	Exchange State Bank	104 Main Street, Collins, IA 50055	January 01, 1902	Full Service Brick and Mortar
2	8610	Exira Exchange Branch	207 East Washington, Exira, IA 50076	September 23, 1918	Full Service Brick and Mortar
3	366030	Ames Branch	823 Wheeler, Suite 32, Ames, IA 50010	November 01, 2002	Full Service Brick and Mortar

Exchange State Bank in Collins, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Exchange State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Exchange State Bank in Collins, Iowa (IA)Overview, Financial Summary, Detailed Financial Reports, Branches

Exchange State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Exchange State Bank in Collins, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches