Farmers State Bank of Dows in Dows, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 1993

  • Farmers State Bank of Dows in Dows, Iowa (IA)
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Farmers State Bank of Dows - Overview

  • General
  • FDIC Certificate #: 10115
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: United Bank and Trust Company (#14247)
    Federal Reserve ID: 595243
    Date Established: Febuary 20, 1912
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 6469
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 01, 1993
    Last Structure Change Process Date: November 08, 1993
    Last Data Update: November 08, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Dows, IA 50071
    County: Wright
    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
  • Financial Summary
  • Total assets: $17.7 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $8Total assets
  • $18,337Cash and due from depository institutions
  • $885Interest-bearing balances
  • $0Securities
  • $7,414Federal funds sold & reverse repurchase agreements
  • $775Net loans & leases
  • $8,637Loan loss allowance
  • $168Trading account assets
  • $0Bank premises and fixed assets
  • $64Other real estate owned
  • $60Goodwill and other intangibles
  • $502Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $18,337Total liabilities
  • $16,634Total deposits
  • $16,538Interest-bearing deposits
  • $15,387Deposits held in domestic offices
  • 16538.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $96Total equity capital
  • $96Total bank equity capital
  • $1,703Perpetual preferred stock
  • $0Common stock
  • $120Surplus
  • $680Undivided profits
  • Memoranda
  • $903Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $90Income earned, not collected on loans
  • $396Earning assets
  • $16,826Long-term assets (5+ years)
  • $1,258Average Assets, year-to-date
  • $17,355Average Assets, quarterly
  • $17,845Volatile liabilities
  • $202Insider loans
  • $98FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,268Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,703Total risk weighted assets
  • $9,794Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,374Total interest expense
  • $676Net interest income
  • $698Provision for loan and lease losses
  • $150Total noninterest income
  • $190Fiduciary activities
  • $0Service charges on deposit accounts
  • $58Trading account gains & fees
  • $0Additional noninterest income
  • $132Total noninterest expense
  • $480Salaries and employee benefits
  • $260Premises and equipment expense
  • $35Additional noninterest expense
  • $185Pre-tax net operating income
  • $258Securities gains (losses)
  • $0Applicable income taxes
  • $76Income before extraordinary items
  • $182Extraordinary gains - net
  • $76Net income attributable to bank
  • $258Net charge-offs
  • $100Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.45%Cost of funding earning assets
  • 4.16%Net interest margin
  • 4.29%Noninterest income to earning assets
  • 1.17%Noninterest expense to earning assets
  • 2.95%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 1.92%Return on equity (ROE)
  • 16.35%Retained earnings to average equity (YTD only)
  • 15.97%Net charge-offs to loans
  • 1.19%Credit loss provision to net charge-offs
  • 150.00%Efficiency ratio
  • 54,054Assets per employee
  • 2.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.33%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 186.67%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 1.02%Net loans and leases to deposits
  • 52.23%Net loans and leases to core deposits
  • 52.87%Equity capital to assets
  • 9.29%Core capital (leverage) ratio
  • 9.48%Tier 1 risk-based capital ratio
  • 17.39%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $17,355Average earning assets
  • $1,578Average equity
  • $16,255Average loans

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