FARMERS TRUST & SAVINGS BANK in Williamsburg, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • FARMERS TRUST & SAVINGS BANK in Williamsburg, Iowa (IA)
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FARMERS TRUST & SAVINGS BANK - Overview

  • General
  • FDIC Certificate #: 14392
    Status: Active
    Federal Reserve ID: 382443
    Bank Holding Company (Regulatory Top Holder): Fts Financial, Inc. (RSSDID: 1208483, Location: Williamsburg, IA)
    Date Established: January 01, 1934
    WWW: http://www.ftsbia.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12433
    FDIC's unique #: 8994
    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: May 01, 1934
    Last Structure Change Effective Date: March 18, 2009
    Last Structure Change Process Date: March 30, 2009
    Last Data Update: March 30, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 510 Elm Street, Williamsburg, IA 52361
    County: Iowa
    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
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $131.8 mil
    Equity capital: $24.9 mil
    Deposits held in domestic offices: $89.4 mil
    Return on assets (ROA): 2.35% ($3.1 mil)
    Quarterly return on assets: 1.45% ($1.9 mil)
    Return on Equity (ROE): 12.97% ($3.2 mil)
    Quarterly return on equity: 7.71% ($1.9 mil)
    Net income: $3.1 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 2.48% ($3,268.0 mil)
    Quarterly Pretax return on assets: 1.51% ($1,989.8 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)
  • $131,776Total assets
  • $2,521Cash and due from depository institutions
  • $980Interest-bearing balances
  • $52,704Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,375Net loans & leases
  • $694Loan loss allowance
  • $0Trading account assets
  • $748Bank premises and fixed assets
  • $50Other real estate owned
  • $0Goodwill and other intangibles
  • $131,776Life insurance assets
  • $4,378All other assets
  • $106,866Total liabilities and capital
  • $89,430Total liabilities
  • $74,013Total deposits
  • $89,430Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,740Trading liabilities
  • $0Other borrowed funds
  • $2,696Subordinated debt
  • $24,910All other liabilities
  • $24,910Total equity capital
  • $24,910Total bank equity capital
  • $0Perpetual preferred stock
  • $425Common stock
  • $2,075Surplus
  • $22,410Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $390Income earned, not collected on loans
  • $0Earning assets
  • $913Long-term assets (5+ years)
  • $125,059Average Assets, year-to-date
  • $37,784Average Assets, quarterly
  • $130,579Volatile liabilities
  • $131,856Insider loans
  • $78,311FHLB advances
  • $132,709Loans and leases held for sale
  • $2,409Unused loan commitments
  • $2,409Tier 1 (core) risk-based capital
  • $23,951Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,850Restructured Loans and leases
  • $1,081Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,751Total interest income
  • $1,003Total interest expense
  • $4,748Net interest income
  • $140Provision for loan and lease losses
  • $745Total noninterest income
  • $0Fiduciary activities
  • $376Service charges on deposit accounts
  • $0Trading account gains & fees
  • $369Additional noninterest income
  • $2,584Total noninterest expense
  • $1,631Salaries and employee benefits
  • $192Premises and equipment expense
  • $761Additional noninterest expense
  • $2,769Pre-tax net operating income
  • $465Securities gains (losses)
  • $159Applicable income taxes
  • $3,075Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,075Net income attributable to bank
  • $0Net charge-offs
  • $3,075Cash dividends
  • $219Sale, conversion, retirement of capital stock, net
  • $1,350Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.09%Noninterest expense to earning assets
  • 2.02%Net operating income to assets
  • 2.35%Return on assets (ROA)
  • 2.48%Pretax return on assets
  • 12.97%Return on equity (ROE)
  • 7.27%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 63.93%Credit loss provision to net charge-offs
  • 13.28%Efficiency ratio
  • 47,042Assets per employee
  • 8.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.90%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 177.95%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 79.81%Net loans and leases to core deposits
  • 84.12%Equity capital to assets
  • 18.90%Core capital (leverage) ratio
  • 18.05%Tier 1 risk-based capital ratio
  • 30.58%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $130,579Average earning assets
  • $23,714Average equity
  • $123,706Average 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
  • $692Managed Assets
  • 1Number of Accounts
  • $692Personal trust and agency accounts
  • $692Employee 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
  • 7Number 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

  • 2 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08994Farmers Trust & Savings Bank510 Elm Street, Williamsburg, IA 52361January 01, 1934Full Service Brick and Mortar
    1231414Detached Teller's Facility505 Chatham Street, Williamsburg, IA 52361June 01, 1976Limited Service Facility

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