Farmers Trust & Savings Bank in Earling, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers Trust & Savings Bank - Overview

  • General
  • FDIC Certificate #: 8510
    Status: Active
    Federal Reserve ID: 646042
    Bank Holding Company (Regulatory Top Holder): J. Carl H. Bancorporation (RSSDID: 1135534, Location: Earling, IA)
    Date Established: January 01, 1892
    WWW: http://www.ftnsbank.net
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 15720
    FDIC's unique #: 5420
    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: June 03, 2010
    Last Structure Change Process Date: June 03, 2010
    Last Data Update: June 03, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 122 Main Street, Earling, IA 51530
    County: Shelby
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $85.6 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $70.6 mil
    Return on assets (ROA): 1.62% ($1.4 mil)
    Quarterly return on assets: 1.74% ($1.5 mil)
    Return on Equity (ROE): 16.73% ($1.3 mil)
    Quarterly return on equity: 18.05% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.70% ($1,455.3 mil)
    Quarterly Pretax return on assets: 1.84% ($1,575.1 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
  • 20Total employees (full-time equivalent)
  • $85,603Total assets
  • $3,925Cash and due from depository institutions
  • $1,699Interest-bearing balances
  • $6,463Securities
  • $661Federal funds sold & reverse repurchase agreements
  • $69,498Net loans & leases
  • $953Loan loss allowance
  • $0Trading account assets
  • $1,775Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $85,603Life insurance assets
  • $3,281All other assets
  • $77,477Total liabilities and capital
  • $70,567Total liabilities
  • $55,802Total deposits
  • $70,567Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,800Trading liabilities
  • $0Other borrowed funds
  • $110Subordinated debt
  • $8,126All other liabilities
  • $8,126Total equity capital
  • $8,126Total bank equity capital
  • $0Perpetual preferred stock
  • $480Common stock
  • $3,710Surplus
  • $3,936Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $598Income earned, not collected on loans
  • $0Earning assets
  • $911Long-term assets (5+ years)
  • $78,321Average Assets, year-to-date
  • $6,281Average Assets, quarterly
  • $81,686Volatile liabilities
  • $83,440Insider loans
  • $72,214FHLB advances
  • $83,200Loans and leases held for sale
  • $1,671Unused loan commitments
  • $1,671Tier 1 (core) risk-based capital
  • $8,079Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,878Restructured Loans and leases
  • $6Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,904Total interest income
  • $714Total interest expense
  • $3,190Net interest income
  • $10Provision for loan and lease losses
  • $381Total noninterest income
  • $0Fiduciary activities
  • $250Service charges on deposit accounts
  • $0Trading account gains & fees
  • $131Additional noninterest income
  • $2,192Total noninterest expense
  • $1,477Salaries and employee benefits
  • $341Premises and equipment expense
  • $374Additional noninterest expense
  • $1,369Pre-tax net operating income
  • $23Securities gains (losses)
  • $70Applicable income taxes
  • $1,322Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,322Net income attributable to bank
  • $0Net charge-offs
  • $1,322Cash dividends
  • -$33Sale, conversion, retirement of capital stock, net
  • $960Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • 1.59%Net operating income to assets
  • 1.62%Return on assets (ROA)
  • 1.70%Pretax return on assets
  • 16.73%Return on equity (ROE)
  • 4.58%Retained earnings to average equity (YTD only)
  • -0.05%Net charge-offs to loans
  • -30.30%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 61,383Assets per employee
  • 4.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.62%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 159.36%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.85%Net loans and leases to deposits
  • 98.49%Net loans and leases to core deposits
  • 101.23%Equity capital to assets
  • 9.49%Core capital (leverage) ratio
  • 9.71%Tier 1 risk-based capital ratio
  • 11.19%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $81,686Average earning assets
  • $7,902Average equity
  • $75,276Average loans

List of branches

  • 3 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05420Farmers Trust & Savings Bank122 Main Street, Earling, IA 51530January 01, 1892Full Service Brick and Mortar
    1218621Woodbine Branch510 Lincoln Way, Woodbine, IA 51579June 08, 1998Full Service Brick and Mortar
    2439692Harlan Branch1901 Chatburn Avenue, Harlan, IA 51537April 01, 2005Full Service Brick and Mortar

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